Call reports 2012
FARMERS & MERCHANTS SAVINGS BANK — 2012
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 113,082,000 | 114,443,000 | 112,926,000 | 107,505,000 |
| Total loans | 57,783,000 | 58,739,000 | 63,007,000 | 65,497,000 |
| Allowance for loan losses | 900,000 | 784,000 | 784,000 | 858,000 |
| Securities available for sale | 44,760,000 | 43,886,000 | 41,685,000 | 33,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,146,000 | 87,153,000 | 84,919,000 | 87,469,000 |
| Interest-bearing deposits | 74,588,000 | 77,303,000 | 76,701,000 | 78,056,000 |
| Noninterest-bearing deposits | 9,558,000 | 9,850,000 | 8,218,000 | 9,413,000 |
| Equity capital | 13,563,000 | 13,811,000 | 14,104,000 | 14,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,116,000 | 2,222,000 | 3,314,000 | 4,410,000 |
| Interest expense | 370,000 | 732,000 | 1,083,000 | 1,360,000 |
| Net interest income | 746,000 | 1,490,000 | 2,231,000 | 3,050,000 |
| Noninterest income | 113,000 | 355,000 | 598,000 | 999,000 |
| Noninterest expense | 702,000 | 1,429,000 | 2,182,000 | 2,961,000 |
| Provision for loan losses | 0 | 0 | 0 | 178,000 |
| Pretax income | 157,000 | 476,000 | 856,000 | 1,256,000 |
| Income tax | 24,000 | 92,000 | 286,000 | 346,000 |
| Net income | 133,000 | 384,000 | 570,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,716,000 | 12,889,000 | 12,998,000 | 13,160,000 |
| Total capital | 13,583,000 | 13,673,000 | 13,782,000 | 14,018,000 |
| Risk-weighted assets | 69,318,000 | 69,609,000 | 71,575,000 | 73,327,000 |