Call reports 2005
FARMERS AND MERCHANTS STATE BANK — 2005
What FARMERS AND MERCHANTS STATE BANK 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 | 23,927,000 | 24,444,000 | 25,516,000 | 23,664,000 |
| Total loans | 6,719,000 | 6,664,000 | 6,599,000 | 6,778,000 |
| Allowance for loan losses | 238,000 | 232,000 | 235,000 | 237,000 |
| Securities available for sale | 12,508,000 | 11,596,000 | 12,732,000 | 12,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,472,000 | 21,801,000 | 22,928,000 | 21,202,000 |
| Interest-bearing deposits | 18,672,000 | 19,028,000 | 19,504,000 | 17,589,000 |
| Noninterest-bearing deposits | 2,800,000 | 2,773,000 | 3,424,000 | 3,613,000 |
| Equity capital | 2,355,000 | 2,555,000 | 2,494,000 | 2,385,000 |
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 | 303,000 | 599,000 | 907,000 | 1,220,000 |
| Interest expense | 44,000 | 91,000 | 142,000 | 198,000 |
| Net interest income | 259,000 | 508,000 | 765,000 | 1,022,000 |
| Noninterest income | 18,000 | 39,000 | 56,000 | 72,000 |
| Noninterest expense | 192,000 | 373,000 | 553,000 | 814,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 92,000 | 178,000 | 269,000 | 275,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 92,000 | 178,000 | 269,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,568,000 | 2,581,000 | 2,633,000 | 2,630,000 |
| Total capital | 2,688,000 | 2,703,000 | 2,759,000 | 2,756,000 |
| Risk-weighted assets | 9,527,000 | 9,683,000 | 9,936,000 | 9,983,000 |
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