Call reports 2005
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2005
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 28,276,000 | 29,021,000 | 28,776,000 | 28,074,000 |
| Total loans | 16,120,000 | 16,468,000 | 17,494,000 | 17,678,000 |
| Allowance for loan losses | 304,000 | 302,000 | 297,000 | 288,000 |
| Securities available for sale | 688,000 | 691,000 | 885,000 | 882,000 |
| Securities held to maturity | 8,197,000 | 8,837,000 | 8,522,000 | 7,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,749,000 | 24,936,000 | 24,566,000 | 24,604,000 |
| Interest-bearing deposits | 22,188,000 | 22,037,000 | 21,477,000 | 21,741,000 |
| Noninterest-bearing deposits | 2,561,000 | 2,899,000 | 3,089,000 | 2,862,000 |
| Equity capital | 2,875,000 | 2,938,000 | 3,002,000 | 3,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 642,000 | 983,000 | 1,337,000 |
| Interest expense | 105,000 | 223,000 | 356,000 | 499,000 |
| Net interest income | 207,000 | 419,000 | 627,000 | 838,000 |
| Noninterest income | 37,000 | 73,000 | 113,000 | 163,000 |
| Noninterest expense | 157,000 | 307,000 | 474,000 | 674,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 87,000 | 185,000 | 266,000 | 312,000 |
| Income tax | 14,000 | 32,000 | 46,000 | 63,000 |
| Net income | 73,000 | 153,000 | 220,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,881,000 | 2,944,000 | 3,011,000 | 3,021,000 |
| Total capital | 3,100,000 | 3,168,000 | 3,243,000 | 3,252,000 |
| Risk-weighted assets | 17,450,000 | 17,859,000 | 18,522,000 | 18,462,000 |
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