Call reports 2012
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2012
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 53,034,000 | 53,784,000 | 55,337,000 | 57,530,000 |
| Total loans | 27,059,000 | 27,030,000 | 27,784,000 | 28,953,000 |
| Allowance for loan losses | 497,000 | 518,000 | 549,000 | 556,000 |
| Securities available for sale | 21,568,000 | 20,803,000 | 22,315,000 | 22,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,849,000 | 44,453,000 | 45,793,000 | 48,032,000 |
| Interest-bearing deposits | 33,610,000 | 33,760,000 | 35,595,000 | 36,466,000 |
| Noninterest-bearing deposits | 10,239,000 | 10,693,000 | 10,198,000 | 11,566,000 |
| Equity capital | 8,293,000 | 8,438,000 | 8,645,000 | 8,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,044,000 | 1,564,000 | 2,067,000 |
| Interest expense | 91,000 | 178,000 | 265,000 | 348,000 |
| Net interest income | 427,000 | 866,000 | 1,299,000 | 1,719,000 |
| Noninterest income | 51,000 | 105,000 | 156,000 | 231,000 |
| Noninterest expense | 340,000 | 707,000 | 1,081,000 | 1,501,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 100,000 |
| Pretax income | 122,000 | 228,000 | 329,000 | 407,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 122,000 | 227,000 | 328,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,797,000 | 7,901,000 | 8,003,000 | 8,080,000 |
| Total capital | 8,294,000 | 8,414,000 | 8,505,000 | 8,598,000 |
| Risk-weighted assets | 40,397,000 | 41,684,000 | 40,123,000 | 42,111,000 |