Call reports 2005
FARMERS & MERCHANTS BANK — 2005
What FARMERS & MERCHANTS 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 | 209,718,000 | 226,522,000 | 231,377,000 | 250,681,000 |
| Total loans | 173,695,000 | 185,001,000 | 193,572,000 | 205,302,000 |
| Allowance for loan losses | 3,399,000 | 3,395,000 | 3,374,000 | 3,276,000 |
| Securities available for sale | 22,861,000 | 22,646,000 | 22,360,000 | 22,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,354,000 | 190,003,000 | 197,097,000 | 215,119,000 |
| Interest-bearing deposits | 152,030,000 | 157,471,000 | 163,702,000 | 174,831,000 |
| Noninterest-bearing deposits | 29,324,000 | 32,532,000 | 33,395,000 | 40,288,000 |
| Equity capital | 20,084,000 | 20,877,000 | 21,742,000 | 22,109,000 |
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 | 3,202,000 | 6,761,000 | 10,667,000 | 14,796,000 |
| Interest expense | 829,000 | 1,855,000 | 3,070,000 | 4,392,000 |
| Net interest income | 2,373,000 | 4,906,000 | 7,597,000 | 10,404,000 |
| Noninterest income | 328,000 | 739,000 | 1,151,000 | 1,555,000 |
| Noninterest expense | 1,652,000 | 3,424,000 | 5,260,000 | 7,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 1,044,000 | 2,211,000 | 3,473,000 | 4,089,000 |
| Income tax | 330,000 | 761,000 | 1,168,000 | 1,362,000 |
| Net income | 714,000 | 1,450,000 | 2,305,000 | 2,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,443,000 | 21,180,000 | 22,035,000 | 22,457,000 |
| Total capital | 22,577,000 | 23,474,000 | 24,461,000 | 24,996,000 |
| Risk-weighted assets | 169,476,000 | 182,428,000 | 193,143,000 | 202,422,000 |
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