Call reports 2009
FARMERS & MERCHANTS SAVINGS BANK — 2009
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 249,363,000 | 254,848,000 | 256,498,000 | 261,156,000 |
| Total loans | 189,953,000 | 193,804,000 | 199,150,000 | 208,217,000 |
| Allowance for loan losses | 2,036,000 | 2,317,000 | 2,408,000 | 2,615,000 |
| Securities available for sale | 26,803,000 | 22,176,000 | 35,314,000 | 30,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,507,000 | 209,336,000 | 209,421,000 | 214,108,000 |
| Interest-bearing deposits | 157,402,000 | 172,072,000 | 172,361,000 | 171,097,000 |
| Noninterest-bearing deposits | 42,105,000 | 37,264,000 | 37,060,000 | 43,011,000 |
| Equity capital | 21,314,000 | 21,672,000 | 23,038,000 | 23,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,424,000 | 6,827,000 | 10,328,000 | 13,950,000 |
| Interest expense | 1,231,000 | 2,544,000 | 3,794,000 | 4,942,000 |
| Net interest income | 2,193,000 | 4,283,000 | 6,534,000 | 9,008,000 |
| Noninterest income | 224,000 | 468,000 | 674,000 | 971,000 |
| Noninterest expense | 1,451,000 | 2,958,000 | 4,516,000 | 5,959,000 |
| Provision for loan losses | 90,000 | 380,000 | 470,000 | 730,000 |
| Pretax income | 876,000 | 1,414,000 | 2,223,000 | 3,291,000 |
| Income tax | 49,000 | 69,000 | 110,000 | 164,000 |
| Net income | 827,000 | 1,345,000 | 2,113,000 | 3,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,237,000 | 21,558,000 | 22,267,000 | 22,781,000 |
| Total capital | 23,273,000 | 23,875,000 | 24,675,000 | 25,396,000 |
| Risk-weighted assets | 224,581,000 | 227,384,000 | 234,078,000 | 243,274,000 |
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