Call reports 2006
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2006
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 48,362,000 | 48,066,000 | 47,699,000 | 47,540,000 |
| Total loans | 27,539,000 | 27,275,000 | 26,817,000 | 25,574,000 |
| Allowance for loan losses | 508,000 | 473,000 | 471,000 | 471,000 |
| Securities available for sale | 17,792,000 | 17,536,000 | 17,497,000 | 17,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,451,000 | 39,241,000 | 38,967,000 | 39,340,000 |
| Interest-bearing deposits | 30,710,000 | 30,549,000 | 29,929,000 | 30,837,000 |
| Noninterest-bearing deposits | 7,741,000 | 8,692,000 | 9,038,000 | 8,503,000 |
| Equity capital | 6,356,000 | 6,380,000 | 6,678,000 | 6,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,455,000 | 2,197,000 | 2,928,000 |
| Interest expense | 232,000 | 475,000 | 725,000 | 975,000 |
| Net interest income | 492,000 | 980,000 | 1,472,000 | 1,953,000 |
| Noninterest income | 55,000 | 131,000 | 205,000 | 282,000 |
| Noninterest expense | 330,000 | 658,000 | 965,000 | 1,361,000 |
| Provision for loan losses | 25,000 | 90,000 | 210,000 | 210,000 |
| Pretax income | 192,000 | 363,000 | 483,000 | 645,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 191,000 | 362,000 | 482,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,711,000 | 6,829,000 | 6,902,000 | 6,994,000 |
| Total capital | 7,168,000 | 7,285,000 | 7,357,000 | 7,432,000 |
| Risk-weighted assets | 36,507,000 | 36,429,000 | 36,390,000 | 35,033,000 |