Call reports 2007
FARMERS & MERCHANTS SAVINGS BANK — 2007
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 198,733,000 | 198,129,000 | 201,381,000 | 211,071,000 |
| Total loans | 151,439,000 | 150,546,000 | 148,626,000 | 158,383,000 |
| Allowance for loan losses | 1,717,000 | 1,748,000 | 1,808,000 | 1,761,000 |
| Securities available for sale | 26,052,000 | 26,432,000 | 29,178,000 | 33,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,861,000 | 161,044,000 | 164,015,000 | 172,449,000 |
| Interest-bearing deposits | 132,950,000 | 130,718,000 | 135,932,000 | 139,831,000 |
| Noninterest-bearing deposits | 26,911,000 | 30,327,000 | 28,083,000 | 32,618,000 |
| Equity capital | 16,274,000 | 16,844,000 | 16,819,000 | 18,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,130,000 | 6,450,000 | 9,777,000 | 13,170,000 |
| Interest expense | 1,366,000 | 2,819,000 | 4,256,000 | 5,736,000 |
| Net interest income | 1,764,000 | 3,631,000 | 5,521,000 | 7,434,000 |
| Noninterest income | 233,000 | 472,000 | 688,000 | 938,000 |
| Noninterest expense | 1,136,000 | 2,293,000 | 3,528,000 | 4,807,000 |
| Provision for loan losses | 204,000 | 344,000 | 404,000 | 464,000 |
| Pretax income | 657,000 | 1,466,000 | 2,277,000 | 3,101,000 |
| Income tax | 35,000 | 80,000 | 130,000 | 176,000 |
| Net income | 622,000 | 1,386,000 | 2,147,000 | 2,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,866,000 | 16,629,000 | 16,369,000 | 17,597,000 |
| Total capital | 17,583,000 | 18,377,000 | 18,177,000 | 19,358,000 |
| Risk-weighted assets | 172,830,000 | 172,639,000 | 173,095,000 | 185,396,000 |
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