Call reports 2011
FARMERS & MERCHANTS SAVINGS BANK — 2011
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 115,606,000 | 115,525,000 | 116,206,000 | 115,559,000 |
| Total loans | 55,805,000 | 55,467,000 | 57,734,000 | 59,893,000 |
| Allowance for loan losses | 1,423,000 | 1,415,000 | 1,416,000 | 907,000 |
| Securities available for sale | 45,992,000 | 46,253,000 | 45,874,000 | 45,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,693,000 | 81,013,000 | 82,494,000 | 82,982,000 |
| Interest-bearing deposits | 72,205,000 | 73,892,000 | 73,808,000 | 73,801,000 |
| Noninterest-bearing deposits | 7,488,000 | 7,121,000 | 8,686,000 | 9,181,000 |
| Equity capital | 12,749,000 | 13,339,000 | 13,621,000 | 13,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,382,000 | 3,588,000 | 4,758,000 |
| Interest expense | 477,000 | 947,000 | 1,391,000 | 1,795,000 |
| Net interest income | 677,000 | 1,435,000 | 2,197,000 | 2,963,000 |
| Noninterest income | 96,000 | 245,000 | 326,000 | 197,000 |
| Noninterest expense | 666,000 | 1,366,000 | 2,088,000 | 2,825,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 161,000 | 368,000 | 613,000 | 640,000 |
| Income tax | 24,000 | 48,000 | 112,000 | 131,000 |
| Net income | 137,000 | 320,000 | 501,000 | 509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,520,000 | 12,626,000 | 12,729,000 | 12,660,000 |
| Total capital | 13,349,000 | 13,442,000 | 13,606,000 | 13,557,000 |
| Risk-weighted assets | 65,698,000 | 64,700,000 | 69,593,000 | 71,767,000 |