Call reports 2012
FARMERS AND MERCHANTS BANK OF ASHLAND — 2012
What FARMERS AND MERCHANTS BANK OF ASHLAND 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 | 67,083,000 | 66,454,000 | 65,697,000 | 66,009,000 |
| Total loans | 43,280,000 | 43,759,000 | 44,923,000 | 43,791,000 |
| Allowance for loan losses | 540,000 | 554,000 | 568,000 | 427,000 |
| Securities available for sale | 8,462,000 | 9,223,000 | 9,334,000 | 8,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,973,000 | 52,346,000 | 52,149,000 | 53,165,000 |
| Interest-bearing deposits | 39,494,000 | 38,480,000 | 36,973,000 | 36,778,000 |
| Noninterest-bearing deposits | 13,479,000 | 13,866,000 | 15,176,000 | 16,388,000 |
| Equity capital | 7,287,000 | 7,415,000 | 7,462,000 | 7,392,000 |
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 | 768,000 | 1,495,000 | 2,220,000 | 2,942,000 |
| Interest expense | 89,000 | 175,000 | 255,000 | 327,000 |
| Net interest income | 679,000 | 1,320,000 | 1,965,000 | 2,615,000 |
| Noninterest income | 116,000 | 178,000 | 245,000 | 314,000 |
| Noninterest expense | 478,000 | 985,000 | 1,458,000 | 2,063,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 302,000 | 483,000 | 707,000 | 806,000 |
| Income tax | 65,000 | 130,000 | 202,000 | 236,000 |
| Net income | 237,000 | 353,000 | 505,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,227,000 | 7,343,000 | 7,380,000 | 7,321,000 |
| Total capital | 7,767,000 | 7,897,000 | 7,948,000 | 7,748,000 |
| Risk-weighted assets | 47,029,000 | 46,786,000 | 48,367,000 | 48,034,000 |