Call reports 2012
FARMERS & MERCHANTS SAVINGS BANK — 2012
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 139,517,000 | 144,618,000 | 145,060,000 | 147,106,000 |
| Total loans | 81,131,000 | 81,065,000 | 83,971,000 | 82,657,000 |
| Allowance for loan losses | 1,481,000 | 1,480,000 | 1,489,000 | 1,244,000 |
| Securities available for sale | 42,098,000 | 45,043,000 | 48,413,000 | 47,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,703,000 | 123,402,000 | 123,948,000 | 128,205,000 |
| Interest-bearing deposits | 106,550,000 | 109,746,000 | 109,899,000 | 112,518,000 |
| Noninterest-bearing deposits | 13,153,000 | 13,656,000 | 14,049,000 | 15,687,000 |
| Equity capital | 13,101,000 | 13,840,000 | 14,745,000 | 14,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,515,000 | 2,995,000 | 4,496,000 | 5,985,000 |
| Interest expense | 356,000 | 698,000 | 1,028,000 | 1,333,000 |
| Net interest income | 1,159,000 | 2,297,000 | 3,468,000 | 4,652,000 |
| Noninterest income | 226,000 | 415,000 | 640,000 | 906,000 |
| Noninterest expense | 631,000 | 1,329,000 | 1,997,000 | 2,778,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 754,000 | 1,383,000 | 2,111,000 | 2,730,000 |
| Income tax | 34,000 | 62,000 | 95,000 | 123,000 |
| Net income | 720,000 | 1,321,000 | 2,016,000 | 2,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,039,000 | 12,640,000 | 13,335,000 | 12,826,000 |
| Total capital | 13,027,000 | 13,614,000 | 14,339,000 | 13,832,000 |
| Risk-weighted assets | 97,815,000 | 95,513,000 | 98,475,000 | 98,667,000 |