Call reports 2019
FARMERS & MERCHANTS SAVINGS BANK — 2019
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 607,758,000 | 627,974,000 | 599,427,000 | 581,431,000 |
| Total loans | 553,561,000 | 550,287,000 | 467,780,000 | 459,627,000 |
| Allowance for loan losses | 10,862,000 | 11,192,000 | 11,491,000 | 8,854,000 |
| Securities available for sale | 26,001,000 | 21,306,000 | 21,135,000 | 27,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 510,241,000 | 537,289,000 | 476,533,000 | 458,670,000 |
| Interest-bearing deposits | 408,466,000 | 430,236,000 | 369,925,000 | 356,184,000 |
| Noninterest-bearing deposits | 101,775,000 | 107,053,000 | 106,608,000 | 102,486,000 |
| Equity capital | 68,000,000 | 68,384,000 | 75,136,000 | 75,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,168,000 | 14,749,000 | 22,148,000 | 28,919,000 |
| Interest expense | 1,505,000 | 3,238,000 | 5,021,000 | 6,659,000 |
| Net interest income | 5,663,000 | 11,511,000 | 17,127,000 | 22,260,000 |
| Noninterest income | 472,000 | 1,147,000 | 7,580,000 | 9,747,000 |
| Noninterest expense | 3,390,000 | 7,010,000 | 10,673,000 | 14,786,000 |
| Provision for loan losses | 330,000 | 660,000 | 990,000 | 1,320,000 |
| Pretax income | 2,487,000 | 5,003,000 | 13,054,000 | 15,841,000 |
| Income tax | 100,000 | 204,000 | 536,000 | 589,000 |
| Net income | 2,387,000 | 4,799,000 | 12,518,000 | 15,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,188,000 | 67,652,000 | 74,607,000 | 74,768,000 |
| Total capital | 75,123,000 | 75,559,000 | 81,574,000 | 81,640,000 |
| Risk-weighted assets | 631,873,000 | 629,301,000 | 552,876,000 | 547,791,000 |