Call reports 2016
FARMERS & MERCHANTS SAVINGS BANK — 2016
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 151,492,000 | 154,611,000 | 152,239,000 | 155,950,000 |
| Total loans | 100,344,000 | 102,117,000 | 103,827,000 | 103,446,000 |
| Allowance for loan losses | 1,579,000 | 1,689,000 | 1,722,000 | 1,779,000 |
| Securities available for sale | 40,058,000 | 38,377,000 | 37,926,000 | 38,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,912,000 | 123,230,000 | 120,251,000 | 125,304,000 |
| Interest-bearing deposits | 105,017,000 | 105,641,000 | 101,915,000 | 104,345,000 |
| Noninterest-bearing deposits | 17,895,000 | 17,589,000 | 18,336,000 | 20,959,000 |
| Equity capital | 18,393,000 | 19,213,000 | 19,755,000 | 18,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,503,000 | 3,043,000 | 4,547,000 | 6,103,000 |
| Interest expense | 179,000 | 397,000 | 619,000 | 846,000 |
| Net interest income | 1,324,000 | 2,646,000 | 3,928,000 | 5,257,000 |
| Noninterest income | 159,000 | 350,000 | 561,000 | 805,000 |
| Noninterest expense | 752,000 | 1,528,000 | 2,275,000 | 2,993,000 |
| Provision for loan losses | 30,000 | 110,000 | 140,000 | 170,000 |
| Pretax income | 701,000 | 1,380,000 | 2,096,000 | 2,921,000 |
| Income tax | 31,000 | 63,000 | 95,000 | 136,000 |
| Net income | 670,000 | 1,317,000 | 2,001,000 | 2,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,748,000 | 18,396,000 | 19,080,000 | 18,664,000 |
| Total capital | 19,147,000 | 19,825,000 | 20,548,000 | 20,128,000 |
| Risk-weighted assets | 111,772,000 | 114,045,000 | 117,249,000 | 116,811,000 |