Call reports 2019
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2019
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 60,328,000 | 61,359,000 | 61,340,000 | 62,490,000 |
| Total loans | 27,790,000 | 30,471,000 | 31,161,000 | 31,042,000 |
| Allowance for loan losses | 427,000 | 434,000 | 439,000 | 443,000 |
| Securities available for sale | 22,747,000 | 22,139,000 | 20,715,000 | 22,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,859,000 | 50,794,000 | 50,202,000 | 51,023,000 |
| Interest-bearing deposits | 30,486,000 | 30,876,000 | 29,995,000 | 30,352,000 |
| Noninterest-bearing deposits | 19,373,000 | 19,918,000 | 20,207,000 | 20,671,000 |
| Equity capital | 9,513,000 | 9,592,000 | 9,850,000 | 10,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 577,000 | 1,170,000 | 1,780,000 | 2,391,000 |
| Interest expense | 101,000 | 207,000 | 312,000 | 419,000 |
| Net interest income | 476,000 | 963,000 | 1,468,000 | 1,972,000 |
| Noninterest income | 51,000 | 108,000 | 166,000 | 227,000 |
| Noninterest expense | 388,000 | 787,000 | 1,165,000 | 1,618,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 134,000 | 274,000 | 454,000 | 561,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 133,000 | 273,000 | 453,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,658,000 | 9,486,000 | 9,666,000 | 9,957,000 |
| Total capital | 10,077,000 | 9,920,000 | 10,105,000 | 10,400,000 |
| Risk-weighted assets | 33,624,000 | 36,139,000 | 38,951,000 | 36,585,000 |