Call reports 2009
FARMERS AND MERCHANTS BANK OF ST. CLAIR — 2009
What FARMERS AND MERCHANTS BANK OF ST. CLAIR reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 178,159,000 | 173,617,000 | 173,517,000 | 175,374,000 |
| Total loans | 131,768,000 | 130,687,000 | 130,728,000 | 128,629,000 |
| Allowance for loan losses | 1,722,000 | 1,803,000 | 1,550,000 | 1,484,000 |
| Securities available for sale | 21,764,000 | 25,620,000 | 28,798,000 | 22,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,275,000 | 148,604,000 | 147,582,000 | 151,294,000 |
| Interest-bearing deposits | 133,460,000 | 128,982,000 | 127,463,000 | 130,429,000 |
| Noninterest-bearing deposits | 19,814,000 | 19,623,000 | 20,119,000 | 20,865,000 |
| Equity capital | 15,492,000 | 15,627,000 | 15,945,000 | 15,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,490,000 | 5,010,000 | 7,486,000 | 9,932,000 |
| Interest expense | 870,000 | 1,691,000 | 2,473,000 | 3,231,000 |
| Net interest income | 1,620,000 | 3,319,000 | 5,013,000 | 6,701,000 |
| Noninterest income | 250,000 | 603,000 | 896,000 | 1,050,000 |
| Noninterest expense | 1,424,000 | 2,967,000 | 4,478,000 | 5,981,000 |
| Provision for loan losses | 99,000 | 201,000 | 308,000 | 757,000 |
| Pretax income | 347,000 | 754,000 | 1,123,000 | 1,013,000 |
| Income tax | 112,000 | 272,000 | 368,000 | 324,000 |
| Net income | 235,000 | 482,000 | 755,000 | 689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,211,000 | 15,459,000 | 15,731,000 | 15,667,000 |
| Total capital | 16,933,000 | 17,103,000 | 17,281,000 | 17,151,000 |
| Risk-weighted assets | 143,176,000 | 130,757,000 | 140,420,000 | 134,341,000 |