Call reports 2006
FARMERS & MERCHANTS SAVINGS BANK — 2006
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,612,000 | 105,939,000 | 108,694,000 | 104,632,000 |
| Total loans | 60,732,000 | 64,922,000 | 67,899,000 | 68,288,000 |
| Allowance for loan losses | 655,000 | 666,000 | 698,000 | 728,000 |
| Securities available for sale | 32,972,000 | 33,420,000 | 33,282,000 | 29,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,286,000 | 66,117,000 | 69,352,000 | 75,735,000 |
| Interest-bearing deposits | 61,456,000 | 60,535,000 | 62,378,000 | 69,819,000 |
| Noninterest-bearing deposits | 5,830,000 | 5,582,000 | 6,974,000 | 5,916,000 |
| Equity capital | 12,635,000 | 12,425,000 | 12,866,000 | 12,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,743,000 | 4,288,000 | 5,841,000 |
| Interest expense | 743,000 | 1,554,000 | 2,521,000 | 3,485,000 |
| Net interest income | 563,000 | 1,189,000 | 1,767,000 | 2,356,000 |
| Noninterest income | 76,000 | 185,000 | 288,000 | 402,000 |
| Noninterest expense | 533,000 | 1,077,000 | 1,609,000 | 2,153,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 70,000 |
| Pretax income | 106,000 | 287,000 | 406,000 | 573,000 |
| Income tax | 8,000 | 23,000 | 44,000 | 65,000 |
| Net income | 98,000 | 264,000 | 362,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,165,000 | 13,175,000 | 13,196,000 | 13,216,000 |
| Total capital | 13,820,000 | 13,841,000 | 13,894,000 | 13,944,000 |
| Risk-weighted assets | 69,591,000 | 74,621,000 | 77,074,000 | 76,314,000 |
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