Call reports 2008
FARMERS & MERCHANTS SAVINGS BANK — 2008
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 91,449,000 | 96,053,000 | 97,170,000 | 100,610,000 |
| Total loans | 73,639,000 | 72,343,000 | 73,819,000 | 73,799,000 |
| Allowance for loan losses | 1,131,000 | 1,131,000 | 1,098,000 | 1,139,000 |
| Securities available for sale | 10,685,000 | 13,123,000 | 14,973,000 | 16,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,827,000 | 72,075,000 | 70,865,000 | 76,573,000 |
| Interest-bearing deposits | 59,328,000 | 63,054,000 | 62,757,000 | 67,654,000 |
| Noninterest-bearing deposits | 8,499,000 | 9,021,000 | 8,108,000 | 8,919,000 |
| Equity capital | 7,896,000 | 8,056,000 | 8,556,000 | 8,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,520,000 | 3,114,000 | 4,700,000 | 6,325,000 |
| Interest expense | 712,000 | 1,423,000 | 2,122,000 | 2,818,000 |
| Net interest income | 808,000 | 1,691,000 | 2,578,000 | 3,507,000 |
| Noninterest income | 90,000 | 190,000 | 381,000 | 513,000 |
| Noninterest expense | 508,000 | 1,070,000 | 1,605,000 | 2,208,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 366,000 | 763,000 | 1,282,000 | 1,716,000 |
| Income tax | 18,000 | 38,000 | 64,000 | 88,000 |
| Net income | 348,000 | 725,000 | 1,218,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,592,000 | 7,970,000 | 8,463,000 | 8,073,000 |
| Total capital | 8,506,000 | 8,962,000 | 9,473,000 | 8,949,000 |
| Risk-weighted assets | 72,919,000 | 79,235,000 | 81,009,000 | 70,468,000 |
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