Call reports 2014
FARMERS & MERCHANTS SAVINGS BANK — 2014
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 150,262,000 | 151,434,000 | 150,222,000 | 148,514,000 |
| Total loans | 87,081,000 | 88,386,000 | 92,732,000 | 91,328,000 |
| Allowance for loan losses | 1,503,000 | 1,423,000 | 1,399,000 | 1,448,000 |
| Securities available for sale | 52,242,000 | 55,996,000 | 51,162,000 | 46,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,502,000 | 131,068,000 | 127,156,000 | 127,252,000 |
| Interest-bearing deposits | 117,036,000 | 115,579,000 | 110,734,000 | 110,291,000 |
| Noninterest-bearing deposits | 14,466,000 | 15,489,000 | 16,422,000 | 16,961,000 |
| Equity capital | 14,792,000 | 15,829,000 | 16,491,000 | 15,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 2,928,000 | 4,398,000 | 5,877,000 |
| Interest expense | 231,000 | 448,000 | 657,000 | 836,000 |
| Net interest income | 1,245,000 | 2,480,000 | 3,741,000 | 5,041,000 |
| Noninterest income | 237,000 | 417,000 | 581,000 | 808,000 |
| Noninterest expense | 728,000 | 1,394,000 | 2,134,000 | 2,929,000 |
| Provision for loan losses | 21,000 | 21,000 | 21,000 | 61,000 |
| Pretax income | 733,000 | 1,482,000 | 2,173,000 | 2,861,000 |
| Income tax | 35,000 | 73,000 | 107,000 | 141,000 |
| Net income | 698,000 | 1,409,000 | 2,066,000 | 2,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,630,000 | 15,340,000 | 15,998,000 | 15,452,000 |
| Total capital | 15,715,000 | 16,440,000 | 17,148,000 | 16,602,000 |
| Risk-weighted assets | 105,900,000 | 107,742,000 | 111,197,000 | 110,387,000 |