Call reports 2013
FARMERS & MERCHANTS SAVINGS BANK — 2013
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 148,089,000 | 150,035,000 | 146,028,000 | 150,263,000 |
| Total loans | 81,768,000 | 82,223,000 | 83,277,000 | 85,626,000 |
| Allowance for loan losses | 1,265,000 | 1,302,000 | 1,348,000 | 1,479,000 |
| Securities available for sale | 49,701,000 | 50,557,000 | 51,813,000 | 51,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,561,000 | 131,358,000 | 126,746,000 | 132,534,000 |
| Interest-bearing deposits | 115,023,000 | 116,104,000 | 112,352,000 | 115,720,000 |
| Noninterest-bearing deposits | 13,538,000 | 15,255,000 | 14,394,000 | 16,814,000 |
| Equity capital | 14,450,000 | 13,631,000 | 14,601,000 | 13,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,816,000 | 4,213,000 | 5,657,000 |
| Interest expense | 297,000 | 578,000 | 852,000 | 1,108,000 |
| Net interest income | 1,131,000 | 2,238,000 | 3,361,000 | 4,549,000 |
| Noninterest income | 163,000 | 334,000 | 534,000 | 776,000 |
| Noninterest expense | 682,000 | 1,333,000 | 2,051,000 | 2,923,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 591,000 | 1,197,000 | 1,781,000 | 2,318,000 |
| Income tax | 29,000 | 61,000 | 89,000 | 112,000 |
| Net income | 562,000 | 1,136,000 | 1,692,000 | 2,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,388,000 | 13,963,000 | 14,518,000 | 13,932,000 |
| Total capital | 14,405,000 | 14,997,000 | 15,578,000 | 15,011,000 |
| Risk-weighted assets | 99,643,000 | 101,678,000 | 103,238,000 | 105,155,000 |