Call reports 2017
FARMERS & MERCHANTS SAVINGS BANK — 2017
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 154,144,000 | 154,265,000 | 155,069,000 | 158,488,000 |
| Total loans | 103,809,000 | 107,316,000 | 109,423,000 | 108,444,000 |
| Allowance for loan losses | 1,819,000 | 1,865,000 | 1,935,000 | 1,931,000 |
| Securities available for sale | 39,845,000 | 37,973,000 | 35,781,000 | 36,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,515,000 | 121,471,000 | 121,551,000 | 125,234,000 |
| Interest-bearing deposits | 104,358,000 | 102,631,000 | 100,976,000 | 103,512,000 |
| Noninterest-bearing deposits | 18,157,000 | 18,840,000 | 20,575,000 | 21,722,000 |
| Equity capital | 19,499,000 | 20,533,000 | 21,220,000 | 20,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,569,000 | 3,229,000 | 4,825,000 | 6,451,000 |
| Interest expense | 228,000 | 479,000 | 738,000 | 1,006,000 |
| Net interest income | 1,341,000 | 2,750,000 | 4,087,000 | 5,445,000 |
| Noninterest income | 178,000 | 376,000 | 595,000 | 798,000 |
| Noninterest expense | 751,000 | 1,566,000 | 2,301,000 | 3,166,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 738,000 | 1,498,000 | 2,277,000 | 2,943,000 |
| Income tax | 33,000 | 68,000 | 103,000 | 131,000 |
| Net income | 705,000 | 1,430,000 | 2,174,000 | 2,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,369,000 | 20,093,000 | 20,838,000 | 20,276,000 |
| Total capital | 20,836,000 | 21,600,000 | 22,399,000 | 21,821,000 |
| Risk-weighted assets | 117,077,000 | 120,193,000 | 124,505,000 | 123,186,000 |