Call reports 2005
FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD — 2005
What FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,114,000 | 86,588,000 | 91,720,000 | 92,187,000 |
| Total loans | 70,123,000 | 68,238,000 | 68,086,000 | 67,920,000 |
| Allowance for loan losses | 932,000 | 905,000 | 935,000 | 826,000 |
| Securities available for sale | 10,094,000 | 10,008,000 | 10,609,000 | 11,381,000 |
| Securities held to maturity | 160,000 | 160,000 | 160,000 | 160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,353,000 | 69,370,000 | 73,961,000 | 75,403,000 |
| Interest-bearing deposits | 64,796,000 | 63,041,000 | 67,374,000 | 67,175,000 |
| Noninterest-bearing deposits | 6,557,000 | 6,329,000 | 6,587,000 | 8,228,000 |
| Equity capital | 7,126,000 | 7,546,000 | 7,861,000 | 7,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,585,000 | 3,943,000 | 5,345,000 |
| Interest expense | 380,000 | 788,000 | 1,252,000 | 1,754,000 |
| Net interest income | 896,000 | 1,797,000 | 2,691,000 | 3,591,000 |
| Noninterest income | 135,000 | 291,000 | 430,000 | 578,000 |
| Noninterest expense | 634,000 | 1,266,000 | 1,916,000 | 2,721,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 367,000 | 762,000 | 1,115,000 | 1,328,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 366,000 | 761,000 | 1,114,000 | 1,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,181,000 | 7,576,000 | 7,929,000 | 8,093,000 |
| Total capital | 8,082,000 | 8,457,000 | 8,823,000 | 8,919,000 |
| Risk-weighted assets | 72,027,000 | 70,420,000 | 71,491,000 | 71,755,000 |
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