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 | 54,001,000 | 56,010,000 | 57,320,000 | 58,757,000 |
| Total loans | 45,305,000 | 46,701,000 | 48,643,000 | 49,830,000 |
| Allowance for loan losses | 968,000 | 959,000 | 975,000 | 950,000 |
| Securities available for sale | 6,607,000 | 6,384,000 | 6,186,000 | 5,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,940,000 | 44,491,000 | 44,676,000 | 47,362,000 |
| Interest-bearing deposits | 37,494,000 | 38,186,000 | 37,924,000 | 39,138,000 |
| Noninterest-bearing deposits | 6,446,000 | 6,305,000 | 6,752,000 | 8,224,000 |
| Equity capital | 6,056,000 | 6,220,000 | 6,216,000 | 6,080,000 |
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 | 847,000 | 1,711,000 | 2,627,000 | 3,608,000 |
| Interest expense | 217,000 | 455,000 | 737,000 | 1,054,000 |
| Net interest income | 630,000 | 1,256,000 | 1,890,000 | 2,554,000 |
| Noninterest income | 71,000 | 149,000 | 237,000 | 311,000 |
| Noninterest expense | 356,000 | 701,000 | 1,051,000 | 1,396,000 |
| Provision for loan losses | 0 | 0 | 21,000 | 38,000 |
| Pretax income | 345,000 | 704,000 | 1,055,000 | 1,431,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 58,000 |
| Net income | 330,000 | 674,000 | 1,010,000 | 1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,109,000 | 6,244,000 | 6,266,000 | 6,184,000 |
| Total capital | 6,679,000 | 6,831,000 | 6,884,000 | 6,817,000 |
| Risk-weighted assets | 45,284,000 | 46,601,000 | 49,105,000 | 50,479,000 |
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