Call reports 2002
FARMERS & MERCHANTS SAVINGS BANK — 2002
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 73,809,000 | 76,296,000 | 77,698,000 | 79,030,000 |
| Total loans | 34,242,000 | 35,158,000 | 36,767,000 | 37,464,000 |
| Allowance for loan losses | 529,000 | 480,000 | 530,000 | 537,000 |
| Securities available for sale | 32,132,000 | 31,886,000 | 29,669,000 | 31,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,060,000 | 48,020,000 | 48,397,000 | 51,216,000 |
| Interest-bearing deposits | 43,434,000 | 44,567,000 | 44,890,000 | 47,220,000 |
| Noninterest-bearing deposits | 3,626,000 | 3,453,000 | 3,507,000 | 3,996,000 |
| Equity capital | 6,805,000 | 7,414,000 | 7,658,000 | 7,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,096,000 | 2,233,000 | 3,380,000 | 4,438,000 |
| Interest expense | 653,000 | 1,315,000 | 1,993,000 | 2,664,000 |
| Net interest income | 443,000 | 918,000 | 1,387,000 | 1,774,000 |
| Noninterest income | 61,000 | 112,000 | 163,000 | 251,000 |
| Noninterest expense | 361,000 | 731,000 | 1,143,000 | 1,942,000 |
| Provision for loan losses | 0 | 25,000 | 55,000 | 55,000 |
| Pretax income | 175,000 | 386,000 | 619,000 | 415,000 |
| Income tax | 24,000 | 55,000 | 100,000 | 10,000 |
| Net income | 151,000 | 331,000 | 519,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,768,000 | 6,948,000 | 7,136,000 | 7,022,000 |
| Total capital | 7,253,000 | 7,428,000 | 7,666,000 | 7,559,000 |
| Risk-weighted assets | 38,746,000 | 40,505,000 | 42,709,000 | 44,851,000 |