Call reports 2005
FARMERS & MERCHANTS STATE BANK, THE — 2005
What FARMERS & MERCHANTS STATE 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 | 697,890,000 | 693,108,000 | 701,830,000 | 720,014,000 |
| Total loans | 475,602,000 | 470,341,000 | 466,451,000 | 464,092,000 |
| Allowance for loan losses | 6,716,000 | 6,506,000 | 6,182,000 | 5,388,000 |
| Securities available for sale | 177,835,000 | 176,014,000 | 183,683,000 | 203,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 570,937,000 | 562,078,000 | 563,987,000 | 576,297,000 |
| Interest-bearing deposits | 519,405,000 | 512,165,000 | 513,918,000 | 511,506,000 |
| Noninterest-bearing deposits | 51,532,000 | 49,913,000 | 50,069,000 | 64,791,000 |
| Equity capital | 63,166,000 | 65,579,000 | 66,669,000 | 66,583,000 |
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 | 9,276,000 | 18,477,000 | 27,864,000 | 37,994,000 |
| Interest expense | 3,195,000 | 6,533,000 | 10,154,000 | 14,252,000 |
| Net interest income | 6,081,000 | 11,944,000 | 17,710,000 | 23,742,000 |
| Noninterest income | 1,301,000 | 2,919,000 | 4,557,000 | 6,070,000 |
| Noninterest expense | 4,582,000 | 9,324,000 | 14,201,000 | 18,847,000 |
| Provision for loan losses | 96,000 | -109,000 | -461,000 | -425,000 |
| Pretax income | 2,704,000 | 5,648,000 | 8,532,000 | 11,399,000 |
| Income tax | 698,000 | 1,478,000 | 2,239,000 | 3,062,000 |
| Net income | 2,006,000 | 4,170,000 | 6,293,000 | 8,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,427,000 | 66,006,000 | 67,545,000 | 68,488,000 |
| Total capital | 85,718,000 | 87,271,000 | 88,837,000 | 89,717,000 |
| Risk-weighted assets | 502,222,000 | 500,328,000 | 502,705,000 | 513,056,000 |
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