Call reports 2012
FARMERS AND MERCHANTS BANK OF ST. CLAIR — 2012
What FARMERS AND MERCHANTS BANK OF ST. CLAIR reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 170,219,000 | 167,824,000 | 159,818,000 | 161,566,000 |
| Total loans | 116,309,000 | 115,661,000 | 114,623,000 | 116,146,000 |
| Allowance for loan losses | 2,075,000 | 2,253,000 | 2,510,000 | 2,353,000 |
| Securities available for sale | 31,237,000 | 30,168,000 | 26,210,000 | 24,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,487,000 | 143,734,000 | 135,562,000 | 137,555,000 |
| Interest-bearing deposits | 122,551,000 | 120,843,000 | 112,186,000 | 112,137,000 |
| Noninterest-bearing deposits | 23,936,000 | 22,890,000 | 23,376,000 | 25,418,000 |
| Equity capital | 17,617,000 | 18,008,000 | 18,212,000 | 18,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,924,000 | 3,859,000 | 5,709,000 | 7,562,000 |
| Interest expense | 309,000 | 592,000 | 858,000 | 1,100,000 |
| Net interest income | 1,615,000 | 3,267,000 | 4,851,000 | 6,462,000 |
| Noninterest income | 280,000 | 490,000 | 789,000 | 1,200,000 |
| Noninterest expense | 1,341,000 | 2,696,000 | 4,021,000 | 5,489,000 |
| Provision for loan losses | 234,000 | 486,000 | 752,000 | 1,007,000 |
| Pretax income | 320,000 | 690,000 | 982,000 | 1,281,000 |
| Income tax | 108,000 | 178,000 | 226,000 | 460,000 |
| Net income | 212,000 | 512,000 | 756,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,084,000 | 17,419,000 | 17,582,000 | 17,526,000 |
| Total capital | 18,558,000 | 18,874,000 | 18,957,000 | 18,911,000 |
| Risk-weighted assets | 117,283,000 | 115,746,000 | 109,407,000 | 109,842,000 |