Call reports 2006
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2006
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 28,819,000 | 29,448,000 | 29,657,000 | 30,318,000 |
| Total loans | 18,118,000 | 18,454,000 | 20,234,000 | 20,337,000 |
| Allowance for loan losses | 295,000 | 316,000 | 331,000 | 316,000 |
| Securities available for sale | 1,080,000 | 1,078,000 | 1,088,000 | 1,334,000 |
| Securities held to maturity | 7,091,000 | 6,442,000 | 5,891,000 | 4,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,415,000 | 25,918,000 | 26,059,000 | 26,444,000 |
| Interest-bearing deposits | 22,412,000 | 23,171,000 | 23,158,000 | 23,303,000 |
| Noninterest-bearing deposits | 3,003,000 | 2,747,000 | 2,901,000 | 3,141,000 |
| Equity capital | 3,047,000 | 3,078,000 | 3,161,000 | 3,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 726,000 | 1,127,000 | 1,556,000 |
| Interest expense | 151,000 | 318,000 | 502,000 | 697,000 |
| Net interest income | 200,000 | 408,000 | 625,000 | 859,000 |
| Noninterest income | 39,000 | 80,000 | 142,000 | 167,000 |
| Noninterest expense | 160,000 | 328,000 | 497,000 | 673,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 64,000 | 130,000 | 225,000 | 293,000 |
| Income tax | 9,000 | 24,000 | 43,000 | 57,000 |
| Net income | 55,000 | 106,000 | 182,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,059,000 | 3,092,000 | 3,168,000 | 3,203,000 |
| Total capital | 3,296,000 | 3,331,000 | 3,422,000 | 3,456,000 |
| Risk-weighted assets | 18,885,000 | 19,059,000 | 20,246,000 | 20,155,000 |
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