Call reports 2005
FARMERS & MERCHANTS SAVINGS BANK — 2005
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,688,000 | 153,440,000 | 158,454,000 | 161,342,000 |
| Total loans | 99,584,000 | 103,511,000 | 104,088,000 | 104,447,000 |
| Allowance for loan losses | 1,248,000 | 1,273,000 | 1,287,000 | 1,311,000 |
| Securities available for sale | 33,684,000 | 36,967,000 | 38,769,000 | 43,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,972,000 | 116,695,000 | 122,908,000 | 123,544,000 |
| Interest-bearing deposits | 89,844,000 | 94,793,000 | 100,412,000 | 97,545,000 |
| Noninterest-bearing deposits | 25,128,000 | 21,902,000 | 22,496,000 | 25,999,000 |
| Equity capital | 11,769,000 | 12,140,000 | 12,457,000 | 12,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,987,000 | 4,070,000 | 6,248,000 | 8,606,000 |
| Interest expense | 700,000 | 1,469,000 | 2,265,000 | 3,108,000 |
| Net interest income | 1,287,000 | 2,601,000 | 3,983,000 | 5,498,000 |
| Noninterest income | 203,000 | 409,000 | 651,000 | 846,000 |
| Noninterest expense | 913,000 | 1,851,000 | 2,821,000 | 3,810,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 553,000 | 1,083,000 | 1,713,000 | 2,400,000 |
| Income tax | 188,000 | 385,000 | 596,000 | 849,000 |
| Net income | 365,000 | 698,000 | 1,117,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,400,000 | 11,734,000 | 12,152,000 | 12,287,000 |
| Total capital | 12,648,000 | 13,007,000 | 13,439,000 | 13,598,000 |
| Risk-weighted assets | 111,561,000 | 115,320,000 | 116,847,000 | 119,024,000 |
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