Call reports 2016
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2016
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 61,284,000 | 61,439,000 | 60,632,000 | 61,753,000 |
| Total loans | 29,076,000 | 30,265,000 | 30,562,000 | 30,453,000 |
| Allowance for loan losses | 579,000 | 578,000 | 577,000 | 498,000 |
| Securities available for sale | 20,147,000 | 19,244,000 | 17,985,000 | 19,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,480,000 | 50,115,000 | 50,777,000 | 52,146,000 |
| Interest-bearing deposits | 37,719,000 | 30,821,000 | 31,526,000 | 32,599,000 |
| Noninterest-bearing deposits | 13,761,000 | 19,294,000 | 19,251,000 | 19,547,000 |
| Equity capital | 8,967,000 | 8,878,000 | 9,001,000 | 8,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,049,000 | 1,562,000 | 2,079,000 |
| Interest expense | 68,000 | 137,000 | 206,000 | 276,000 |
| Net interest income | 457,000 | 912,000 | 1,356,000 | 1,803,000 |
| Noninterest income | 54,000 | 117,000 | 181,000 | 240,000 |
| Noninterest expense | 358,000 | 751,000 | 1,131,000 | 1,544,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 153,000 | 278,000 | 414,000 | 507,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 152,000 | 277,000 | 413,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,805,000 | 8,631,000 | 8,768,000 | 8,860,000 |
| Total capital | 9,233,000 | 9,071,000 | 9,209,000 | 9,311,000 |
| Risk-weighted assets | 34,109,000 | 35,030,000 | 35,255,000 | 36,081,000 |