Call reports 2006
FARMERS & MECHANICS BANK — 2006
What FARMERS & MECHANICS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,994,287,000 | 1,991,666,000 | 1,966,700,000 | 1,977,667,000 |
| Total loans | 1,136,730,000 | 1,151,484,000 | 1,165,991,000 | 1,175,375,000 |
| Allowance for loan losses | 11,240,000 | 11,297,000 | 10,969,000 | 10,826,000 |
| Securities available for sale | 433,910,000 | 412,644,000 | 407,469,000 | 389,123,000 |
| Securities held to maturity | 330,000 | 330,000 | 330,000 | 330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,357,884,000 | 1,352,157,000 | 1,328,362,000 | 1,335,042,000 |
| Interest-bearing deposits | 1,067,035,000 | 1,058,786,000 | 1,053,822,000 | 1,061,580,000 |
| Noninterest-bearing deposits | 290,849,000 | 293,371,000 | 274,540,000 | 273,462,000 |
| Equity capital | 439,866,000 | 439,792,000 | 443,176,000 | 444,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 22,766,000 | 46,315,000 | 70,656,000 | 95,612,000 |
| Interest expense | 6,644,000 | 14,082,000 | 22,482,000 | 31,421,000 |
| Net interest income | 16,122,000 | 32,233,000 | 48,174,000 | 64,191,000 |
| Noninterest income | 7,641,000 | 14,026,000 | 21,268,000 | 27,884,000 |
| Noninterest expense | 15,091,000 | 29,076,000 | 42,952,000 | 56,816,000 |
| Provision for loan losses | -820,000 | -820,000 | -820,000 | -820,000 |
| Pretax income | 9,479,000 | 17,990,000 | 27,297,000 | 36,068,000 |
| Income tax | 3,335,000 | 6,304,000 | 9,596,000 | 12,250,000 |
| Net income | 6,144,000 | 11,686,000 | 17,701,000 | 23,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 165,181,000 | 166,507,000 | 168,335,000 | 169,807,000 |
| Total capital | 226,141,000 | 227,647,000 | 229,463,000 | 230,846,000 |
| Risk-weighted assets | 1,344,649,000 | 1,356,200,000 | 1,370,064,000 | 1,381,235,000 |