Call reports 2010
FARMERS AND MERCHANTS BANK OF CRAIG COUNTY, THE — 2010
What FARMERS AND MERCHANTS BANK OF CRAIG COUNTY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 52,629,000 | 52,172,000 | 51,104,000 | 52,212,000 |
| Total loans | 35,031,000 | 35,841,000 | 36,583,000 | 36,957,000 |
| Allowance for loan losses | 464,000 | 473,000 | 493,000 | 495,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,647,000 | 14,437,000 | 12,425,000 | 13,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,059,000 | 43,488,000 | 42,389,000 | 42,952,000 |
| Interest-bearing deposits | 37,784,000 | 37,807,000 | 36,075,000 | 36,759,000 |
| Noninterest-bearing deposits | 6,275,000 | 5,681,000 | 6,314,000 | 6,193,000 |
| Equity capital | 8,224,000 | 8,396,000 | 8,553,000 | 8,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 746,000 | 1,504,000 | 2,265,000 | 3,025,000 |
| Interest expense | 187,000 | 357,000 | 512,000 | 654,000 |
| Net interest income | 559,000 | 1,147,000 | 1,753,000 | 2,371,000 |
| Noninterest income | 36,000 | 55,000 | 74,000 | 98,000 |
| Noninterest expense | 353,000 | 689,000 | 1,034,000 | 1,468,000 |
| Provision for loan losses | 13,000 | 24,000 | 66,000 | 71,000 |
| Pretax income | 229,000 | 489,000 | 727,000 | 930,000 |
| Income tax | 78,000 | 166,000 | 247,000 | 315,000 |
| Net income | 151,000 | 323,000 | 480,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,224,000 | 8,396,000 | 8,553,000 | 8,688,000 |
| Total capital | 8,564,000 | 8,745,000 | 8,898,000 | 9,039,000 |
| Risk-weighted assets | 27,064,000 | 27,845,000 | 27,472,000 | 27,962,000 |