Call reports 2021
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2021
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 80,374,000 | 82,000,000 | 84,155,000 | 82,849,000 |
| Total loans | 31,086,000 | 31,267,000 | 31,161,000 | 31,109,000 |
| Allowance for loan losses | 514,000 | 519,000 | 523,000 | 528,000 |
| Securities available for sale | 40,425,000 | 41,758,000 | 43,219,000 | 43,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,648,000 | 70,141,000 | 72,204,000 | 69,187,000 |
| Interest-bearing deposits | 50,291,000 | 52,820,000 | 53,156,000 | 50,413,000 |
| Noninterest-bearing deposits | 18,357,000 | 17,321,000 | 19,048,000 | 18,774,000 |
| Equity capital | 10,292,000 | 10,657,000 | 10,740,000 | 10,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 577,000 | 1,405,000 | 2,017,000 | 2,596,000 |
| Interest expense | 77,000 | 147,000 | 217,000 | 282,000 |
| Net interest income | 500,000 | 1,258,000 | 1,800,000 | 2,314,000 |
| Noninterest income | 49,000 | 102,000 | 160,000 | 222,000 |
| Noninterest expense | 416,000 | 821,000 | 1,271,000 | 1,813,000 |
| Provision for loan losses | 0 | 5,000 | 10,000 | 15,000 |
| Pretax income | 175,000 | 579,000 | 741,000 | 795,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 174,000 | 578,000 | 740,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,243,000 | 10,420,000 | 10,583,000 | 10,636,000 |
| Total capital | 10,705,000 | 10,936,000 | 11,093,000 | 11,155,000 |
| Risk-weighted assets | 36,881,000 | 41,305,000 | 40,775,000 | 41,521,000 |