Call reports 2005
FARMERS & MERCHANTS SAVINGS BANK — 2005
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,340,000 | 75,882,000 | 79,188,000 | 81,451,000 |
| Total loans | 60,553,000 | 62,602,000 | 65,057,000 | 64,611,000 |
| Allowance for loan losses | 1,001,000 | 1,019,000 | 1,050,000 | 958,000 |
| Securities available for sale | 9,756,000 | 9,291,000 | 9,309,000 | 9,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,451,000 | 59,394,000 | 56,845,000 | 60,180,000 |
| Interest-bearing deposits | 53,347,000 | 52,500,000 | 50,354,000 | 47,578,000 |
| Noninterest-bearing deposits | 7,104,000 | 6,894,000 | 6,491,000 | 12,602,000 |
| Equity capital | 7,238,000 | 7,596,000 | 7,881,000 | 6,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,129,000 | 2,275,000 | 3,497,000 | 4,799,000 |
| Interest expense | 353,000 | 729,000 | 1,150,000 | 1,639,000 |
| Net interest income | 776,000 | 1,546,000 | 2,347,000 | 3,160,000 |
| Noninterest income | 99,000 | 192,000 | 295,000 | 448,000 |
| Noninterest expense | 461,000 | 1,013,000 | 1,555,000 | 2,161,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 390,000 | 670,000 | 1,008,000 | 1,340,000 |
| Income tax | 19,000 | 43,000 | 60,000 | 78,000 |
| Net income | 371,000 | 627,000 | 948,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,386,000 | 7,642,000 | 7,963,000 | 7,077,000 |
| Total capital | 8,070,000 | 8,335,000 | 8,746,000 | 7,868,000 |
| Risk-weighted assets | 54,395,000 | 55,148,000 | 62,373,000 | 63,099,000 |
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