Call reports 2014
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2014
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 59,364,000 | 59,871,000 | 60,260,000 | 61,871,000 |
| Total loans | 28,874,000 | 26,282,000 | 28,388,000 | 28,270,000 |
| Allowance for loan losses | 570,000 | 578,000 | 578,000 | 578,000 |
| Securities available for sale | 23,495,000 | 24,656,000 | 23,978,000 | 24,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,304,000 | 50,895,000 | 49,344,000 | 52,694,000 |
| Interest-bearing deposits | 37,379,000 | 37,723,000 | 37,249,000 | 39,663,000 |
| Noninterest-bearing deposits | 12,925,000 | 13,172,000 | 12,095,000 | 13,031,000 |
| Equity capital | 8,092,000 | 8,202,000 | 8,238,000 | 8,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 512,000 | 1,017,000 | 1,533,000 | 2,056,000 |
| Interest expense | 68,000 | 134,000 | 204,000 | 275,000 |
| Net interest income | 444,000 | 883,000 | 1,329,000 | 1,781,000 |
| Noninterest income | 54,000 | 108,000 | 169,000 | 232,000 |
| Noninterest expense | 370,000 | 731,000 | 1,124,000 | 1,557,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 130,000 | 262,000 | 376,000 | 458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 130,000 | 262,000 | 376,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,159,000 | 8,087,000 | 8,202,000 | 8,284,000 |
| Total capital | 8,720,000 | 8,485,000 | 8,620,000 | 8,710,000 |
| Risk-weighted assets | 44,897,000 | 31,672,000 | 33,250,000 | 33,906,000 |