Call reports 2013
FARMERS & MERCHANTS SAVINGS BANK — 2013
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 352,528,000 | 343,626,000 | 354,214,000 | 361,764,000 |
| Total loans | 288,435,000 | 294,762,000 | 305,977,000 | 320,716,000 |
| Allowance for loan losses | 4,427,000 | 4,727,000 | 5,020,000 | 5,320,000 |
| Securities available for sale | 28,088,000 | 25,347,000 | 24,940,000 | 24,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,522,000 | 296,214,000 | 302,006,000 | 308,431,000 |
| Interest-bearing deposits | 241,025,000 | 232,509,000 | 232,440,000 | 236,451,000 |
| Noninterest-bearing deposits | 63,497,000 | 63,705,000 | 69,566,000 | 71,980,000 |
| Equity capital | 34,337,000 | 33,617,000 | 33,822,000 | 34,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,040,000 | 8,056,000 | 12,115,000 | 15,596,000 |
| Interest expense | 701,000 | 1,361,000 | 1,998,000 | 2,616,000 |
| Net interest income | 3,339,000 | 6,695,000 | 10,117,000 | 12,980,000 |
| Noninterest income | 403,000 | 773,000 | 1,190,000 | 2,156,000 |
| Noninterest expense | 2,176,000 | 4,314,000 | 6,719,000 | 8,967,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,266,000 | 2,554,000 | 3,688,000 | 4,969,000 |
| Income tax | 66,000 | 105,000 | 156,000 | 210,000 |
| Net income | 1,200,000 | 2,449,000 | 3,532,000 | 4,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,919,000 | 32,569,000 | 32,865,000 | 33,459,000 |
| Total capital | 36,964,000 | 36,552,000 | 37,038,000 | 37,909,000 |
| Risk-weighted assets | 323,195,000 | 317,885,000 | 333,010,000 | 355,093,000 |
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