Call reports 2016
FARMERS & MERCHANTS SAVINGS BANK — 2016
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 533,399,000 | 533,489,000 | 558,723,000 | 553,830,000 |
| Total loans | 471,695,000 | 472,500,000 | 473,270,000 | 480,994,000 |
| Allowance for loan losses | 9,076,000 | 9,333,000 | 8,802,000 | 9,096,000 |
| Securities available for sale | 38,289,000 | 34,993,000 | 32,679,000 | 39,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,284,000 | 447,544,000 | 478,103,000 | 472,775,000 |
| Interest-bearing deposits | 351,058,000 | 354,000,000 | 382,524,000 | 368,979,000 |
| Noninterest-bearing deposits | 90,226,000 | 93,544,000 | 95,579,000 | 103,796,000 |
| Equity capital | 56,285,000 | 56,074,000 | 56,917,000 | 57,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,700,000 | 11,412,000 | 17,223,000 | 22,992,000 |
| Interest expense | 652,000 | 1,357,000 | 2,084,000 | 2,829,000 |
| Net interest income | 5,048,000 | 10,055,000 | 15,139,000 | 20,163,000 |
| Noninterest income | 619,000 | 1,409,000 | 2,295,000 | 2,820,000 |
| Noninterest expense | 3,284,000 | 6,528,000 | 9,879,000 | 13,101,000 |
| Provision for loan losses | 330,000 | 660,000 | 990,000 | 1,320,000 |
| Pretax income | 2,053,000 | 4,284,000 | 6,573,000 | 8,570,000 |
| Income tax | 63,000 | 162,000 | 255,000 | 355,000 |
| Net income | 1,990,000 | 4,122,000 | 6,318,000 | 8,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,658,000 | 54,463,000 | 55,424,000 | 56,534,000 |
| Total capital | 61,022,000 | 60,993,000 | 62,156,000 | 63,228,000 |
| Risk-weighted assets | 506,434,000 | 519,644,000 | 536,494,000 | 551,049,000 |