Call reports 2007
FARMERS & MERCHANTS SAVINGS BANK — 2007
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,633,000 | 85,971,000 | 85,978,000 | 87,618,000 |
| Total loans | 69,662,000 | 71,240,000 | 71,977,000 | 71,968,000 |
| Allowance for loan losses | 1,170,000 | 1,188,000 | 1,220,000 | 1,102,000 |
| Securities available for sale | 9,844,000 | 9,688,000 | 9,826,000 | 9,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,479,000 | 63,442,000 | 62,429,000 | 65,604,000 |
| Interest-bearing deposits | 56,889,000 | 55,313,000 | 54,902,000 | 55,819,000 |
| Noninterest-bearing deposits | 7,590,000 | 8,129,000 | 7,527,000 | 9,785,000 |
| Equity capital | 7,484,000 | 7,738,000 | 8,316,000 | 7,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 2,992,000 | 4,523,000 | 6,059,000 |
| Interest expense | 638,000 | 1,316,000 | 1,995,000 | 2,712,000 |
| Net interest income | 845,000 | 1,676,000 | 2,528,000 | 3,347,000 |
| Noninterest income | 90,000 | 253,000 | 415,000 | 546,000 |
| Noninterest expense | 513,000 | 1,135,000 | 1,672,000 | 2,346,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 388,000 | 736,000 | 1,189,000 | 1,441,000 |
| Income tax | 19,000 | 36,000 | 58,000 | 71,000 |
| Net income | 369,000 | 700,000 | 1,131,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,544,000 | 7,875,000 | 8,306,000 | 7,244,000 |
| Total capital | 8,407,000 | 8,825,000 | 9,187,000 | 8,137,000 |
| Risk-weighted assets | 68,745,000 | 75,731,000 | 70,141,000 | 71,227,000 |
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