Call reports 2011
FARMERS AND MERCHANTS BANK OF ST. CLAIR — 2011
What FARMERS AND MERCHANTS BANK OF ST. CLAIR reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 170,593,000 | 169,155,000 | 168,054,000 | 163,072,000 |
| Total loans | 122,015,000 | 121,740,000 | 118,276,000 | 115,421,000 |
| Allowance for loan losses | 1,846,000 | 2,061,000 | 1,839,000 | 1,919,000 |
| Securities available for sale | 34,752,000 | 33,873,000 | 31,322,000 | 27,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,007,000 | 143,249,000 | 144,476,000 | 139,617,000 |
| Interest-bearing deposits | 127,193,000 | 122,892,000 | 121,139,000 | 117,046,000 |
| Noninterest-bearing deposits | 19,815,000 | 20,357,000 | 23,338,000 | 22,571,000 |
| Equity capital | 16,680,000 | 17,200,000 | 17,482,000 | 17,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,104,000 | 4,184,000 | 6,254,000 | 8,121,000 |
| Interest expense | 439,000 | 848,000 | 1,224,000 | 1,562,000 |
| Net interest income | 1,665,000 | 3,336,000 | 5,030,000 | 6,559,000 |
| Noninterest income | 240,000 | 508,000 | 735,000 | 1,029,000 |
| Noninterest expense | 1,398,000 | 2,760,000 | 4,133,000 | 5,418,000 |
| Provision for loan losses | 184,000 | 346,000 | 748,000 | 959,000 |
| Pretax income | 323,000 | 738,000 | 1,052,000 | 1,379,000 |
| Income tax | 105,000 | 244,000 | 338,000 | 448,000 |
| Net income | 218,000 | 494,000 | 714,000 | 931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,453,000 | 16,686,000 | 16,802,000 | 16,871,000 |
| Total capital | 18,160,000 | 18,329,000 | 18,370,000 | 18,342,000 |
| Risk-weighted assets | 136,415,000 | 131,772,000 | 126,528,000 | 117,981,000 |