Call reports 2015
FARMERS & MERCHANTS SAVINGS BANK — 2015
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 507,923,000 | 528,932,000 | 523,155,000 | 533,281,000 |
| Total loans | 439,124,000 | 462,374,000 | 459,069,000 | 467,330,000 |
| Allowance for loan losses | 7,827,000 | 7,990,000 | 8,404,000 | 8,709,000 |
| Securities available for sale | 42,844,000 | 41,134,000 | 40,104,000 | 38,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,510,000 | 419,511,000 | 422,748,000 | 422,442,000 |
| Interest-bearing deposits | 325,125,000 | 328,929,000 | 328,819,000 | 322,004,000 |
| Noninterest-bearing deposits | 89,385,000 | 90,582,000 | 93,929,000 | 100,438,000 |
| Equity capital | 52,934,000 | 52,881,000 | 54,049,000 | 54,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,371,000 | 10,893,000 | 16,575,000 | 22,250,000 |
| Interest expense | 620,000 | 1,226,000 | 1,837,000 | 2,381,000 |
| Net interest income | 4,751,000 | 9,667,000 | 14,738,000 | 19,869,000 |
| Noninterest income | 679,000 | 1,372,000 | 2,073,000 | 2,744,000 |
| Noninterest expense | 3,131,000 | 6,223,000 | 9,372,000 | 12,902,000 |
| Provision for loan losses | 330,000 | 660,000 | 990,000 | 1,320,000 |
| Pretax income | 2,013,000 | 4,201,000 | 6,494,000 | 8,546,000 |
| Income tax | 61,000 | 157,000 | 257,000 | 343,000 |
| Net income | 1,952,000 | 4,044,000 | 6,237,000 | 8,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,679,000 | 50,985,000 | 52,325,000 | 52,709,000 |
| Total capital | 56,884,000 | 57,337,000 | 58,628,000 | 59,184,000 |
| Risk-weighted assets | 494,785,000 | 506,558,000 | 502,189,000 | 515,767,000 |