Call reports 2015
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2015
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,863,000 | 61,703,000 | 62,630,000 | 63,723,000 |
| Total loans | 28,110,000 | 28,650,000 | 30,200,000 | 30,637,000 |
| Allowance for loan losses | 579,000 | 579,000 | 579,000 | 579,000 |
| Securities available for sale | 24,174,000 | 23,991,000 | 20,708,000 | 21,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,457,000 | 52,376,000 | 53,158,000 | 52,086,000 |
| Interest-bearing deposits | 38,577,000 | 39,650,000 | 39,881,000 | 38,148,000 |
| Noninterest-bearing deposits | 12,880,000 | 12,726,000 | 13,277,000 | 13,938,000 |
| Equity capital | 8,616,000 | 8,330,000 | 8,668,000 | 8,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,020,000 | 1,557,000 | 2,088,000 |
| Interest expense | 68,000 | 137,000 | 207,000 | 280,000 |
| Net interest income | 437,000 | 883,000 | 1,350,000 | 1,808,000 |
| Noninterest income | 55,000 | 111,000 | 204,000 | 265,000 |
| Noninterest expense | 375,000 | 741,000 | 1,087,000 | 1,498,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 253,000 | 477,000 | 599,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 116,000 | 252,000 | 476,000 | 598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,399,000 | 8,306,000 | 8,531,000 | 8,653,000 |
| Total capital | 8,835,000 | 8,731,000 | 8,963,000 | 9,083,000 |
| Risk-weighted assets | 34,814,000 | 33,880,000 | 34,377,000 | 34,233,000 |