Call reports 2008
FARMERS & MERCHANTS SAVINGS BANK — 2008
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 218,652,000 | 220,469,000 | 225,665,000 | 234,131,000 |
| Total loans | 168,556,000 | 173,068,000 | 174,235,000 | 190,587,000 |
| Allowance for loan losses | 1,820,000 | 1,881,000 | 1,943,000 | 2,002,000 |
| Securities available for sale | 30,287,000 | 30,584,000 | 31,584,000 | 28,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,080,000 | 181,787,000 | 180,949,000 | 190,404,000 |
| Interest-bearing deposits | 149,280,000 | 148,217,000 | 143,221,000 | 147,165,000 |
| Noninterest-bearing deposits | 27,800,000 | 33,570,000 | 37,728,000 | 43,239,000 |
| Equity capital | 19,243,000 | 19,228,000 | 20,116,000 | 20,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,364,000 | 6,714,000 | 10,089,000 | 13,523,000 |
| Interest expense | 1,441,000 | 2,807,000 | 4,080,000 | 5,310,000 |
| Net interest income | 1,923,000 | 3,907,000 | 6,009,000 | 8,213,000 |
| Noninterest income | 267,000 | 472,000 | 690,000 | 995,000 |
| Noninterest expense | 1,198,000 | 2,455,000 | 3,786,000 | 5,283,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 340,000 |
| Pretax income | 932,000 | 1,854,000 | 2,783,000 | 3,635,000 |
| Income tax | 50,000 | 102,000 | 154,000 | 201,000 |
| Net income | 882,000 | 1,752,000 | 2,629,000 | 3,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,605,000 | 18,850,000 | 20,305,000 | 20,410,000 |
| Total capital | 20,425,000 | 20,731,000 | 22,248,000 | 22,412,000 |
| Risk-weighted assets | 194,136,000 | 198,771,000 | 205,223,000 | 219,397,000 |
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