Call reports 2006
FARMERS & MERCHANTS SAVINGS BANK — 2006
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,621,000 | 84,340,000 | 84,109,000 | 85,961,000 |
| Total loans | 66,542,000 | 68,188,000 | 69,313,000 | 68,316,000 |
| Allowance for loan losses | 1,002,000 | 1,021,000 | 1,041,000 | 1,062,000 |
| Securities available for sale | 9,316,000 | 9,473,000 | 9,894,000 | 9,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,969,000 | 62,355,000 | 58,537,000 | 64,198,000 |
| Interest-bearing deposits | 47,669,000 | 54,104,000 | 51,509,000 | 55,330,000 |
| Noninterest-bearing deposits | 11,300,000 | 8,251,000 | 7,028,000 | 8,868,000 |
| Equity capital | 7,236,000 | 7,489,000 | 8,109,000 | 7,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,284,000 | 2,607,000 | 4,000,000 | 5,440,000 |
| Interest expense | 491,000 | 1,042,000 | 1,633,000 | 2,248,000 |
| Net interest income | 793,000 | 1,565,000 | 2,367,000 | 3,192,000 |
| Noninterest income | 80,000 | 200,000 | 305,000 | 424,000 |
| Noninterest expense | 478,000 | 1,023,000 | 1,521,000 | 2,156,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 371,000 | 694,000 | 1,079,000 | 1,364,000 |
| Income tax | 19,000 | 34,000 | 54,000 | 66,000 |
| Net income | 352,000 | 660,000 | 1,025,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,429,000 | 7,737,000 | 8,102,000 | 7,175,000 |
| Total capital | 8,220,000 | 8,569,000 | 8,947,000 | 8,006,000 |
| Risk-weighted assets | 63,054,000 | 66,380,000 | 67,440,000 | 66,285,000 |
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