Call reports 2005
FARMERS AND MERCHANTS BANK, THE — 2005
What FARMERS AND MERCHANTS BANK, THE 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 | 67,751,000 | 67,853,000 | 69,601,000 | 68,698,000 |
| Total loans | 43,743,000 | 45,067,000 | 47,091,000 | 46,008,000 |
| Allowance for loan losses | 760,000 | 712,000 | 726,000 | 712,000 |
| Securities available for sale | 9,997,000 | 9,002,000 | 8,996,000 | 8,068,000 |
| Securities held to maturity | 6,469,000 | 7,358,000 | 6,726,000 | 7,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,220,000 | 51,373,000 | 55,934,000 | 54,138,000 |
| Interest-bearing deposits | 46,046,000 | 45,060,000 | 49,847,000 | 46,282,000 |
| Noninterest-bearing deposits | 8,174,000 | 6,313,000 | 6,087,000 | 7,856,000 |
| Equity capital | 9,715,000 | 9,709,000 | 9,846,000 | 9,989,000 |
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 | 906,000 | 1,846,000 | 2,833,000 | 3,881,000 |
| Interest expense | 246,000 | 505,000 | 813,000 | 1,142,000 |
| Net interest income | 660,000 | 1,341,000 | 2,020,000 | 2,739,000 |
| Noninterest income | 55,000 | 108,000 | 170,000 | 244,000 |
| Noninterest expense | 524,000 | 1,037,000 | 1,545,000 | 1,960,000 |
| Provision for loan losses | 15,000 | 30,000 | 44,000 | 59,000 |
| Pretax income | 176,000 | 381,000 | 600,000 | 963,000 |
| Income tax | 76,000 | 158,000 | 245,000 | 237,000 |
| Net income | 100,000 | 223,000 | 355,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,791,000 | 9,774,000 | 9,905,000 | 10,062,000 |
| Total capital | 10,385,000 | 10,363,000 | 10,507,000 | 10,662,000 |
| Risk-weighted assets | 46,482,000 | 46,995,000 | 48,535,000 | 47,890,000 |
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