Call reports 2014
FARMERS & MERCHANTS SAVINGS BANK — 2014
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 107,987,000 | 109,633,000 | 103,555,000 | 101,883,000 |
| Total loans | 57,447,000 | 54,973,000 | 55,482,000 | 53,806,000 |
| Allowance for loan losses | 1,016,000 | 928,000 | 932,000 | 0 |
| Securities available for sale | 25,798,000 | 27,406,000 | 26,867,000 | 26,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,872,000 | 90,569,000 | 84,186,000 | 87,220,000 |
| Interest-bearing deposits | 80,879,000 | 81,043,000 | 75,865,000 | 76,870,000 |
| Noninterest-bearing deposits | 9,993,000 | 9,526,000 | 8,321,000 | 10,350,000 |
| Equity capital | 13,655,000 | 14,091,000 | 14,298,000 | 10,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,771,000 | 2,622,000 | 132,000 |
| Interest expense | 200,000 | 398,000 | 584,000 | 15,000 |
| Net interest income | 720,000 | 1,373,000 | 2,038,000 | 117,000 |
| Noninterest income | 86,000 | 170,000 | 270,000 | 11,000 |
| Noninterest expense | 1,317,000 | 1,908,000 | 2,461,000 | 156,000 |
| Provision for loan losses | 0 | -100,000 | -100,000 | 0 |
| Pretax income | 225,000 | 471,000 | 683,000 | -28,000 |
| Income tax | 61,000 | 96,000 | 171,000 | 25,000 |
| Net income | 164,000 | 375,000 | 512,000 | -53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,662,000 | 13,872,000 | 14,010,000 | 9,411,000 |
| Total capital | 14,503,000 | 14,651,000 | 14,800,000 | 9,411,000 |
| Risk-weighted assets | 67,144,000 | 62,137,000 | 63,050,000 | 62,770,000 |
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