Call reports 2009
FARMERS & MERCHANTS SAVINGS BANK — 2009
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 103,587,000 | 103,994,000 | 101,499,000 | 106,312,000 |
| Total loans | 72,668,000 | 71,889,000 | 70,759,000 | 71,413,000 |
| Allowance for loan losses | 1,209,000 | 1,393,000 | 1,393,000 | 1,446,000 |
| Securities available for sale | 17,341,000 | 20,271,000 | 22,096,000 | 24,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,199,000 | 80,141,000 | 78,994,000 | 85,465,000 |
| Interest-bearing deposits | 68,840,000 | 70,176,000 | 70,375,000 | 74,837,000 |
| Noninterest-bearing deposits | 10,359,000 | 9,965,000 | 8,619,000 | 10,628,000 |
| Equity capital | 8,778,000 | 8,951,000 | 9,543,000 | 9,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,543,000 | 3,143,000 | 4,566,000 | 6,072,000 |
| Interest expense | 638,000 | 1,235,000 | 1,791,000 | 2,313,000 |
| Net interest income | 905,000 | 1,908,000 | 2,775,000 | 3,759,000 |
| Noninterest income | 95,000 | 200,000 | 321,000 | 462,000 |
| Noninterest expense | 582,000 | 1,135,000 | 1,711,000 | 2,338,000 |
| Provision for loan losses | 84,000 | 388,000 | 424,000 | 549,000 |
| Pretax income | 334,000 | 585,000 | 961,000 | 1,334,000 |
| Income tax | 18,000 | 28,000 | 48,000 | 57,000 |
| Net income | 316,000 | 557,000 | 913,000 | 1,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,389,000 | 8,630,000 | 8,986,000 | 8,650,000 |
| Total capital | 9,269,000 | 9,542,000 | 9,839,000 | 9,566,000 |
| Risk-weighted assets | 70,092,000 | 72,481,000 | 67,706,000 | 72,775,000 |
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