Call reports 2018
FARMERS & MERCHANTS SAVINGS BANK — 2018
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 564,508,000 | 571,814,000 | 585,662,000 | 598,700,000 |
| Total loans | 498,365,000 | 507,350,000 | 527,575,000 | 539,256,000 |
| Allowance for loan losses | 10,102,000 | 10,432,000 | 10,764,000 | 10,567,000 |
| Securities available for sale | 35,816,000 | 32,054,000 | 30,691,000 | 30,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,665,000 | 493,172,000 | 494,354,000 | 492,300,000 |
| Interest-bearing deposits | 363,645,000 | 379,853,000 | 374,645,000 | 384,592,000 |
| Noninterest-bearing deposits | 100,020,000 | 113,319,000 | 119,709,000 | 107,708,000 |
| Equity capital | 62,239,000 | 63,159,000 | 64,973,000 | 66,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,970,000 | 12,285,000 | 19,155,000 | 26,333,000 |
| Interest expense | 809,000 | 1,785,000 | 2,881,000 | 4,258,000 |
| Net interest income | 5,161,000 | 10,500,000 | 16,274,000 | 22,075,000 |
| Noninterest income | 608,000 | 1,343,000 | 2,056,000 | 2,941,000 |
| Noninterest expense | 3,390,000 | 6,777,000 | 10,214,000 | 13,726,000 |
| Provision for loan losses | 330,000 | 660,000 | 990,000 | 1,320,000 |
| Pretax income | 2,049,000 | 4,406,000 | 7,130,000 | 9,974,000 |
| Income tax | 85,000 | 185,000 | 300,000 | 423,000 |
| Net income | 1,964,000 | 4,221,000 | 6,830,000 | 9,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,461,000 | 62,418,000 | 64,328,000 | 65,923,000 |
| Total capital | 68,556,000 | 69,358,000 | 71,498,000 | 74,452,000 |
| Risk-weighted assets | 564,517,000 | 551,745,000 | 570,073,000 | 680,290,000 |