Call reports 2022
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2022
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 78,433,000 | 77,173,000 | 77,912,000 | 78,487,000 |
| Total loans | 31,252,000 | 31,430,000 | 32,471,000 | 33,090,000 |
| Allowance for loan losses | 532,000 | 537,000 | 537,000 | 529,000 |
| Securities available for sale | 39,992,000 | 39,447,000 | 37,914,000 | 38,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,106,000 | 70,679,000 | 72,659,000 | 71,187,000 |
| Interest-bearing deposits | 50,774,000 | 49,771,000 | 50,228,000 | 51,472,000 |
| Noninterest-bearing deposits | 19,332,000 | 20,908,000 | 22,431,000 | 19,715,000 |
| Equity capital | 7,258,000 | 5,325,000 | 2,869,000 | 4,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 580,000 | 1,201,000 | 1,881,000 | 2,621,000 |
| Interest expense | 58,000 | 117,000 | 180,000 | 323,000 |
| Net interest income | 522,000 | 1,084,000 | 1,701,000 | 2,298,000 |
| Noninterest income | 105,000 | 171,000 | 236,000 | 303,000 |
| Noninterest expense | 461,000 | 910,000 | 1,373,000 | 1,905,000 |
| Provision for loan losses | 5,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 140,000 | 294,000 | 516,000 | 663,000 |
| Income tax | 8,000 | 82,000 | 97,000 | 111,000 |
| Net income | 132,000 | 212,000 | 419,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,768,000 | 10,848,000 | 10,658,000 | 10,791,000 |
| Total capital | 11,291,000 | 11,385,000 | 11,195,000 | 11,320,000 |
| Risk-weighted assets | 41,864,000 | 42,982,000 | 43,891,000 | 44,958,000 |