Call reports 2012
FARMERS & MERCHANTS SAVINGS BANK — 2012
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 339,764,000 | 338,700,000 | 338,737,000 | 370,929,000 |
| Total loans | 265,904,000 | 275,242,000 | 271,625,000 | 291,948,000 |
| Allowance for loan losses | 3,457,000 | 3,580,000 | 3,883,000 | 4,127,000 |
| Securities available for sale | 40,782,000 | 30,435,000 | 27,222,000 | 31,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,101,000 | 292,652,000 | 291,538,000 | 323,828,000 |
| Interest-bearing deposits | 242,702,000 | 238,074,000 | 234,112,000 | 247,889,000 |
| Noninterest-bearing deposits | 51,399,000 | 54,578,000 | 57,426,000 | 75,939,000 |
| Equity capital | 31,978,000 | 32,220,000 | 33,145,000 | 33,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,245,000 | 8,387,000 | 12,652,000 | 16,843,000 |
| Interest expense | 874,000 | 1,732,000 | 2,552,000 | 3,337,000 |
| Net interest income | 3,371,000 | 6,655,000 | 10,100,000 | 13,506,000 |
| Noninterest income | 425,000 | 877,000 | 1,493,000 | 1,937,000 |
| Noninterest expense | 1,973,000 | 4,005,000 | 6,072,000 | 8,323,000 |
| Provision for loan losses | 120,000 | 405,000 | 905,000 | 1,205,000 |
| Pretax income | 1,703,000 | 3,122,000 | 4,616,000 | 5,915,000 |
| Income tax | 73,000 | 154,000 | 293,000 | 252,000 |
| Net income | 1,630,000 | 2,968,000 | 4,323,000 | 5,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,527,000 | 30,684,000 | 31,577,000 | 31,718,000 |
| Total capital | 33,984,000 | 34,264,000 | 35,376,000 | 35,805,000 |
| Risk-weighted assets | 293,884,000 | 304,644,000 | 303,832,000 | 326,959,000 |