Call reports 2002
FARMERS & MERCHANTS SAVINGS BANK — 2002
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 75,027,000 | 76,350,000 | 76,396,000 | 78,934,000 |
| Total loans | 50,552,000 | 51,827,000 | 54,896,000 | 54,297,000 |
| Allowance for loan losses | 629,000 | 733,000 | 795,000 | 771,000 |
| Securities available for sale | 15,536,000 | 15,170,000 | 13,914,000 | 12,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,993,000 | 60,943,000 | 59,667,000 | 62,131,000 |
| Interest-bearing deposits | 53,210,000 | 55,529,000 | 54,125,000 | 55,639,000 |
| Noninterest-bearing deposits | 5,783,000 | 5,414,000 | 5,542,000 | 6,492,000 |
| Equity capital | 6,735,000 | 7,110,000 | 7,431,000 | 6,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,261,000 | 2,538,000 | 3,837,000 | 5,119,000 |
| Interest expense | 582,000 | 1,126,000 | 1,650,000 | 2,162,000 |
| Net interest income | 679,000 | 1,412,000 | 2,187,000 | 2,957,000 |
| Noninterest income | 93,000 | 177,000 | 281,000 | 398,000 |
| Noninterest expense | 496,000 | 963,000 | 1,445,000 | 2,027,000 |
| Provision for loan losses | 45,000 | 152,000 | 222,000 | 397,000 |
| Pretax income | 231,000 | 473,000 | 800,000 | 930,000 |
| Income tax | 11,000 | 24,000 | 40,000 | 46,000 |
| Net income | 220,000 | 449,000 | 760,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,586,000 | 6,815,000 | 7,124,000 | 6,448,000 |
| Total capital | 7,215,000 | 7,513,000 | 7,860,000 | 7,133,000 |
| Risk-weighted assets | 52,862,000 | 55,851,000 | 58,824,000 | 54,764,000 |
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