Call reports 2005
FARMERS & MERCHANTS SAVINGS BANK — 2005
What FARMERS & MERCHANTS SAVINGS BANK 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 | 86,750,000 | 88,672,000 | 94,216,000 | 96,623,000 |
| Total loans | 39,969,000 | 45,249,000 | 53,029,000 | 57,097,000 |
| Allowance for loan losses | 559,000 | 642,000 | 642,000 | 655,000 |
| Securities available for sale | 35,840,000 | 30,130,000 | 29,632,000 | 29,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,140,000 | 60,795,000 | 61,311,000 | 63,771,000 |
| Interest-bearing deposits | 52,762,000 | 55,714,000 | 55,707,000 | 58,442,000 |
| Noninterest-bearing deposits | 5,378,000 | 5,081,000 | 5,604,000 | 5,329,000 |
| Equity capital | 7,521,000 | 7,784,000 | 12,874,000 | 12,588,000 |
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 | 974,000 | 2,027,000 | 3,208,000 | 4,467,000 |
| Interest expense | 552,000 | 1,135,000 | 1,761,000 | 2,441,000 |
| Net interest income | 422,000 | 892,000 | 1,447,000 | 2,026,000 |
| Noninterest income | 67,000 | 150,000 | 237,000 | 356,000 |
| Noninterest expense | 438,000 | 889,000 | 1,397,000 | 2,013,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 160,000 | 294,000 | 408,000 |
| Income tax | 2,000 | 10,000 | 16,000 | 18,000 |
| Net income | 49,000 | 150,000 | 278,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,850,000 | 7,951,000 | 13,078,000 | 13,067,000 |
| Total capital | 8,409,000 | 8,593,000 | 13,720,000 | 13,722,000 |
| Risk-weighted assets | 50,881,000 | 55,397,000 | 62,228,000 | 66,049,000 |