Call reports 2010
FARMERS & MERCHANTS SAVINGS BANK — 2010
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 109,150,000 | 109,839,000 | 112,975,000 | 118,819,000 |
| Total loans | 72,272,000 | 72,609,000 | 72,899,000 | 70,141,000 |
| Allowance for loan losses | 1,407,000 | 1,535,000 | 1,508,000 | 1,562,000 |
| Securities available for sale | 25,706,000 | 29,134,000 | 30,234,000 | 33,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,309,000 | 91,930,000 | 94,386,000 | 101,457,000 |
| Interest-bearing deposits | 81,640,000 | 82,525,000 | 84,544,000 | 89,907,000 |
| Noninterest-bearing deposits | 9,669,000 | 9,405,000 | 9,842,000 | 11,550,000 |
| Equity capital | 9,525,000 | 10,452,000 | 11,068,000 | 10,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,447,000 | 3,107,000 | 4,567,000 | 6,096,000 |
| Interest expense | 503,000 | 966,000 | 1,420,000 | 1,863,000 |
| Net interest income | 944,000 | 2,141,000 | 3,147,000 | 4,233,000 |
| Noninterest income | 117,000 | 256,000 | 427,000 | 621,000 |
| Noninterest expense | 575,000 | 1,105,000 | 1,709,000 | 2,429,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 450,000 | 1,220,000 | 1,757,000 | 2,276,000 |
| Income tax | 22,000 | 62,000 | 88,000 | 114,000 |
| Net income | 428,000 | 1,158,000 | 1,669,000 | 2,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,078,000 | 9,808,000 | 10,319,000 | 9,913,000 |
| Total capital | 10,022,000 | 10,760,000 | 11,317,000 | 10,726,000 |
| Risk-weighted assets | 75,031,000 | 75,556,000 | 79,406,000 | 79,684,000 |