Call reports 2016
FARMERS AND MERCHANTS STATE BANK — 2016
What FARMERS AND MERCHANTS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 101,995,000 | 103,945,000 | 105,498,000 | 102,202,000 |
| Total loans | 93,521,000 | 96,138,000 | 90,817,000 | 90,359,000 |
| Allowance for loan losses | 1,487,000 | 1,411,000 | 1,487,000 | 1,431,000 |
| Securities available for sale | 3,149,000 | 3,106,000 | 2,907,000 | 3,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,354,000 | 93,179,000 | 94,399,000 | 91,292,000 |
| Interest-bearing deposits | 75,481,000 | 79,612,000 | 78,011,000 | 74,646,000 |
| Noninterest-bearing deposits | 14,873,000 | 13,567,000 | 16,388,000 | 16,646,000 |
| Equity capital | 9,793,000 | 10,358,000 | 10,623,000 | 10,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,221,000 | 2,482,000 | 3,752,000 | 4,957,000 |
| Interest expense | 116,000 | 238,000 | 375,000 | 514,000 |
| Net interest income | 1,105,000 | 2,244,000 | 3,377,000 | 4,443,000 |
| Noninterest income | 88,000 | 340,000 | 425,000 | 472,000 |
| Noninterest expense | 478,000 | 969,000 | 1,480,000 | 1,984,000 |
| Provision for loan losses | 456,000 | 466,000 | 581,000 | 613,000 |
| Pretax income | 259,000 | 1,149,000 | 1,741,000 | 2,318,000 |
| Income tax | 25,000 | 56,000 | 82,000 | 89,000 |
| Net income | 234,000 | 1,093,000 | 1,659,000 | 2,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,760,000 | 10,309,000 | 10,580,000 | 10,641,000 |
| Total capital | 10,951,000 | 11,549,000 | 11,769,000 | 11,823,000 |
| Risk-weighted assets | 94,984,000 | 99,108,000 | 94,858,000 | 94,333,000 |