Call reports 2017
FARMERS & MERCHANTS SAVINGS BANK — 2017
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 535,640,000 | 524,451,000 | 534,302,000 | 538,820,000 |
| Total loans | 465,127,000 | 461,663,000 | 461,619,000 | 464,669,000 |
| Allowance for loan losses | 9,428,000 | 9,650,000 | 9,753,000 | 9,769,000 |
| Securities available for sale | 39,914,000 | 36,212,000 | 35,203,000 | 37,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,371,000 | 441,626,000 | 450,391,000 | 454,942,000 |
| Interest-bearing deposits | 359,698,000 | 346,638,000 | 349,072,000 | 344,800,000 |
| Noninterest-bearing deposits | 94,673,000 | 94,988,000 | 101,319,000 | 110,142,000 |
| Equity capital | 58,087,000 | 59,316,000 | 60,055,000 | 60,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,695,000 | 11,411,000 | 17,207,000 | 23,071,000 |
| Interest expense | 706,000 | 1,431,000 | 2,147,000 | 2,895,000 |
| Net interest income | 4,989,000 | 9,980,000 | 15,060,000 | 20,176,000 |
| Noninterest income | 629,000 | 1,166,000 | 1,835,000 | 2,431,000 |
| Noninterest expense | 3,017,000 | 6,075,000 | 9,348,000 | 12,314,000 |
| Provision for loan losses | 330,000 | 660,000 | 990,000 | 1,320,000 |
| Pretax income | 2,271,000 | 4,411,000 | 6,561,000 | 8,977,000 |
| Income tax | 105,000 | 201,000 | 287,000 | 394,000 |
| Net income | 2,166,000 | 4,210,000 | 6,274,000 | 8,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,039,000 | 58,182,000 | 58,996,000 | 59,497,000 |
| Total capital | 63,766,000 | 64,850,000 | 65,711,000 | 66,146,000 |
| Risk-weighted assets | 535,497,000 | 530,434,000 | 534,134,000 | 528,816,000 |