Call reports 2005
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2005
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,963,000 | 49,033,000 | 49,292,000 | 49,690,000 |
| Total loans | 25,006,000 | 26,944,000 | 26,918,000 | 27,572,000 |
| Allowance for loan losses | 577,000 | 575,000 | 586,000 | 524,000 |
| Securities available for sale | 18,874,000 | 19,253,000 | 18,946,000 | 18,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,401,000 | 40,369,000 | 40,404,000 | 40,762,000 |
| Interest-bearing deposits | 30,829,000 | 31,039,000 | 30,396,000 | 31,952,000 |
| Noninterest-bearing deposits | 8,572,000 | 9,330,000 | 10,008,000 | 8,810,000 |
| Equity capital | 6,290,000 | 6,288,000 | 6,518,000 | 6,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 605,000 | 1,266,000 | 1,963,000 | 2,670,000 |
| Interest expense | 153,000 | 319,000 | 500,000 | 701,000 |
| Net interest income | 452,000 | 947,000 | 1,463,000 | 1,969,000 |
| Noninterest income | 52,000 | 113,000 | 169,000 | 229,000 |
| Noninterest expense | 325,000 | 661,000 | 974,000 | 1,376,000 |
| Provision for loan losses | 20,000 | 20,000 | 30,000 | 40,000 |
| Pretax income | 94,000 | 337,000 | 586,000 | 740,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 94,000 | 337,000 | 586,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,593,000 | 6,488,000 | 6,736,000 | 6,891,000 |
| Total capital | 7,036,000 | 6,942,000 | 7,189,000 | 7,355,000 |
| Risk-weighted assets | 35,335,000 | 36,186,000 | 36,110,000 | 37,085,000 |