Call reports 2015
FARMERS & MERCHANTS SAVINGS BANK — 2015
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 147,863,000 | 146,523,000 | 148,261,000 | 147,123,000 |
| Total loans | 93,035,000 | 95,233,000 | 96,766,000 | 97,235,000 |
| Allowance for loan losses | 1,512,000 | 1,565,000 | 1,574,000 | 1,536,000 |
| Securities available for sale | 46,469,000 | 44,755,000 | 43,468,000 | 40,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,193,000 | 124,391,000 | 123,701,000 | 121,601,000 |
| Interest-bearing deposits | 111,690,000 | 108,620,000 | 106,950,000 | 103,207,000 |
| Noninterest-bearing deposits | 15,503,000 | 15,771,000 | 16,751,000 | 18,394,000 |
| Equity capital | 16,883,000 | 17,006,000 | 18,058,000 | 17,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,431,000 | 2,896,000 | 4,398,000 | 5,919,000 |
| Interest expense | 180,000 | 354,000 | 528,000 | 692,000 |
| Net interest income | 1,251,000 | 2,542,000 | 3,870,000 | 5,227,000 |
| Noninterest income | 159,000 | 336,000 | 557,000 | 774,000 |
| Noninterest expense | 609,000 | 1,438,000 | 2,114,000 | 2,929,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 771,000 | 1,380,000 | 2,228,000 | 2,946,000 |
| Income tax | 31,000 | 56,000 | 90,000 | 120,000 |
| Net income | 740,000 | 1,324,000 | 2,138,000 | 2,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,193,000 | 16,776,000 | 17,590,000 | 17,078,000 |
| Total capital | 17,448,000 | 18,051,000 | 18,886,000 | 18,428,000 |
| Risk-weighted assets | 100,175,000 | 101,737,000 | 103,364,000 | 107,845,000 |