Call reports 2015
FARMERS & MERCHANTS BANK — 2015
What FARMERS & MERCHANTS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 196,626,000 | 187,499,000 | 178,164,000 | 187,369,000 |
| Total loans | 96,967,000 | 94,675,000 | 82,690,000 | 80,252,000 |
| Allowance for loan losses | 1,606,000 | 1,577,000 | 1,739,000 | 1,903,000 |
| Securities available for sale | 60,042,000 | 58,280,000 | 57,551,000 | 51,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,731,000 | 146,349,000 | 143,547,000 | 153,259,000 |
| Interest-bearing deposits | 126,478,000 | 119,588,000 | 118,180,000 | 126,386,000 |
| Noninterest-bearing deposits | 29,253,000 | 26,761,000 | 25,367,000 | 26,873,000 |
| Equity capital | 23,675,000 | 23,249,000 | 23,474,000 | 23,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,729,000 | 3,445,000 | 5,010,000 | 6,476,000 |
| Interest expense | 246,000 | 482,000 | 647,000 | 810,000 |
| Net interest income | 1,483,000 | 2,963,000 | 4,363,000 | 5,666,000 |
| Noninterest income | 220,000 | 388,000 | 593,000 | 353,000 |
| Noninterest expense | 1,311,000 | 2,542,000 | 3,923,000 | 5,318,000 |
| Provision for loan losses | 100,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 292,000 | 209,000 | 283,000 | -188,000 |
| Income tax | 112,000 | -23,000 | 41,000 | -159,000 |
| Net income | 180,000 | 232,000 | 242,000 | -29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,109,000 | 22,155,000 | 23,321,000 | 22,776,000 |
| Total capital | 23,617,000 | 23,641,000 | 24,691,000 | 24,093,000 |
| Risk-weighted assets | 120,554,000 | 117,934,000 | 109,076,000 | 104,513,000 |