Call reports 2005
FARMERS AND MERCHANTS BANK OF HILL CITY — 2005
What FARMERS AND MERCHANTS BANK OF HILL CITY 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 | 33,875,000 | 34,684,000 | 34,670,000 | 34,499,000 |
| Total loans | 28,055,000 | 28,561,000 | 30,265,000 | 30,105,000 |
| Allowance for loan losses | 466,000 | 469,000 | 478,000 | 492,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 36,000 |
| Securities held to maturity | 210,000 | 209,000 | 207,000 | 207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,018,000 | 30,719,000 | 30,049,000 | 30,482,000 |
| Interest-bearing deposits | 26,917,000 | 27,215,000 | 26,368,000 | 26,931,000 |
| Noninterest-bearing deposits | 3,101,000 | 3,504,000 | 3,681,000 | 3,551,000 |
| Equity capital | 3,761,000 | 3,862,000 | 3,891,000 | 3,934,000 |
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 | 495,000 | 1,015,000 | 1,591,000 | 2,176,000 |
| Interest expense | 106,000 | 221,000 | 348,000 | 479,000 |
| Net interest income | 389,000 | 794,000 | 1,243,000 | 1,697,000 |
| Noninterest income | 418,000 | 507,000 | 552,000 | 614,000 |
| Noninterest expense | 310,000 | 599,000 | 844,000 | 1,139,000 |
| Provision for loan losses | 15,000 | 21,000 | 28,000 | 37,000 |
| Pretax income | 482,000 | 681,000 | 923,000 | 1,135,000 |
| Income tax | 7,000 | 5,000 | 18,000 | 39,000 |
| Net income | 475,000 | 676,000 | 905,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,608,000 | 3,709,000 | 3,738,000 | 3,781,000 |
| Total capital | 3,984,000 | 4,090,000 | 4,137,000 | 4,170,000 |
| Risk-weighted assets | 29,968,000 | 30,419,000 | 31,810,000 | 31,046,000 |
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