Call reports 2016
FARMERS & MERCHANTS SAVINGS BANK — 2016
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 94,041,000 | 87,669,000 | 87,401,000 | 83,596,000 |
| Total loans | 49,858,000 | 49,698,000 | 49,577,000 | 47,623,000 |
| Allowance for loan losses | 97,000 | 216,000 | 225,000 | 334,000 |
| Securities available for sale | 27,294,000 | 27,055,000 | 26,376,000 | 24,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,425,000 | 71,465,000 | 69,419,000 | 67,740,000 |
| Interest-bearing deposits | 62,409,000 | 61,205,000 | 58,762,000 | 57,109,000 |
| Noninterest-bearing deposits | 16,016,000 | 10,260,000 | 10,657,000 | 10,631,000 |
| Equity capital | 11,510,000 | 11,928,000 | 11,942,000 | 11,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 798,000 | 1,572,000 | 2,342,000 | 3,091,000 |
| Interest expense | 108,000 | 208,000 | 311,000 | 403,000 |
| Net interest income | 690,000 | 1,364,000 | 2,031,000 | 2,688,000 |
| Noninterest income | 67,000 | 257,000 | 344,000 | 534,000 |
| Noninterest expense | 518,000 | 1,040,000 | 1,564,000 | 2,084,000 |
| Provision for loan losses | 9,000 | 19,000 | 28,000 | 36,000 |
| Pretax income | 236,000 | 568,000 | 789,000 | 1,110,000 |
| Income tax | 61,000 | 193,000 | 264,000 | 375,000 |
| Net income | 175,000 | 375,000 | 525,000 | 735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,957,000 | 10,169,000 | 10,182,000 | 10,405,000 |
| Total capital | 10,054,000 | 10,385,000 | 10,407,000 | 10,739,000 |
| Risk-weighted assets | 67,092,000 | 66,640,000 | 64,848,000 | 60,649,000 |