Call reports 2015
FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD — 2015
What FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,200,000 | 114,150,000 | 117,413,000 | 118,034,000 |
| Total loans | 79,713,000 | 76,947,000 | 76,986,000 | 82,329,000 |
| Allowance for loan losses | 975,000 | 1,005,000 | 1,026,000 | 1,028,000 |
| Securities available for sale | 22,605,000 | 22,475,000 | 22,413,000 | 21,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,546,000 | 94,963,000 | 99,341,000 | 96,968,000 |
| Interest-bearing deposits | 80,868,000 | 82,083,000 | 84,828,000 | 81,235,000 |
| Noninterest-bearing deposits | 12,678,000 | 12,880,000 | 14,513,000 | 15,733,000 |
| Equity capital | 9,272,000 | 9,209,000 | 9,370,000 | 9,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,117,000 | 3,137,000 | 4,178,000 |
| Interest expense | 114,000 | 239,000 | 334,000 | 447,000 |
| Net interest income | 920,000 | 1,878,000 | 2,803,000 | 3,731,000 |
| Noninterest income | 65,000 | 141,000 | 207,000 | 274,000 |
| Noninterest expense | 667,000 | 1,389,000 | 2,117,000 | 2,886,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 288,000 | 570,000 | 813,000 | 1,039,000 |
| Income tax | 104,000 | 203,000 | 288,000 | 369,000 |
| Net income | 184,000 | 367,000 | 525,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,198,000 | 9,181,000 | 9,339,000 | 9,484,000 |
| Total capital | 10,173,000 | 10,186,000 | 10,365,000 | 10,512,000 |
| Risk-weighted assets | 84,801,000 | 81,591,000 | 82,625,000 | 87,338,000 |