Call reports 2001
FARMERS AND MERCHANTS BANK OF ST. CLAIR — 2001
What FARMERS AND MERCHANTS BANK OF ST. CLAIR reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 123,541,000 | 123,168,000 | 125,606,000 | 120,426,000 |
| Total loans | 92,467,000 | 96,608,000 | 98,772,000 | 96,810,000 |
| Allowance for loan losses | 936,000 | 984,000 | 901,000 | 849,000 |
| Securities available for sale | 9,247,000 | 9,757,000 | 8,431,000 | 8,374,000 |
| Securities held to maturity | 7,222,000 | 5,535,000 | 5,329,000 | 5,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,837,000 | 95,663,000 | 101,715,000 | 96,452,000 |
| Interest-bearing deposits | 87,105,000 | 86,324,000 | 92,132,000 | 86,559,000 |
| Noninterest-bearing deposits | 8,732,000 | 9,339,000 | 9,583,000 | 9,893,000 |
| Equity capital | 8,725,000 | 8,695,000 | 8,963,000 | 9,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,482,000 | 5,031,000 | 7,445,000 | 9,684,000 |
| Interest expense | 1,370,000 | 2,696,000 | 3,946,000 | 5,035,000 |
| Net interest income | 1,112,000 | 2,335,000 | 3,499,000 | 4,649,000 |
| Noninterest income | 179,000 | 348,000 | 518,000 | 685,000 |
| Noninterest expense | 825,000 | 1,699,000 | 2,568,000 | 3,472,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 263,000 |
| Pretax income | 391,000 | 834,000 | 1,224,000 | 1,599,000 |
| Income tax | 17,000 | 37,000 | 43,000 | 58,000 |
| Net income | 374,000 | 797,000 | 1,181,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,431,000 | 8,381,000 | 8,529,000 | 8,965,000 |
| Total capital | 9,367,000 | 9,365,000 | 9,430,000 | 9,814,000 |
| Risk-weighted assets | 81,686,000 | 82,741,000 | 84,880,000 | 81,762,000 |