Call reports 2013
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2013
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 57,119,000 | 57,952,000 | 57,965,000 | 57,600,000 |
| Total loans | 30,543,000 | 30,087,000 | 29,959,000 | 29,220,000 |
| Allowance for loan losses | 562,000 | 573,000 | 554,000 | 567,000 |
| Securities available for sale | 20,444,000 | 22,504,000 | 22,092,000 | 22,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,592,000 | 48,300,000 | 48,419,000 | 47,837,000 |
| Interest-bearing deposits | 36,963,000 | 38,167,000 | 37,161,000 | 37,180,000 |
| Noninterest-bearing deposits | 10,629,000 | 10,133,000 | 11,258,000 | 10,657,000 |
| Equity capital | 8,605,000 | 7,801,000 | 7,816,000 | 7,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 511,000 | 1,035,000 | 1,568,000 | 2,091,000 |
| Interest expense | 78,000 | 157,000 | 231,000 | 301,000 |
| Net interest income | 433,000 | 878,000 | 1,337,000 | 1,790,000 |
| Noninterest income | 55,000 | 111,000 | 171,000 | 240,000 |
| Noninterest expense | 393,000 | 762,000 | 1,151,000 | 1,582,000 |
| Provision for loan losses | 10,000 | 20,000 | 30,000 | 40,000 |
| Pretax income | 85,000 | 207,000 | 326,000 | 407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 207,000 | 326,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,166,000 | 7,829,000 | 7,948,000 | 8,029,000 |
| Total capital | 8,728,000 | 8,396,000 | 8,502,000 | 8,580,000 |
| Risk-weighted assets | 44,769,000 | 45,348,000 | 45,209,000 | 44,041,000 |