Call reports 2005
FARMERS & MERCHANTS BANK & TRUST — 2005
What FARMERS & MERCHANTS BANK & TRUST 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 | 216,987,000 | 209,629,000 | 224,067,000 | 215,569,000 |
| Total loans | 100,253,000 | 103,447,000 | 117,453,000 | 120,549,000 |
| Allowance for loan losses | 626,000 | 643,000 | 678,000 | 881,000 |
| Securities available for sale | 95,834,000 | 88,144,000 | 84,393,000 | 75,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,143,000 | 179,608,000 | 186,358,000 | 189,770,000 |
| Interest-bearing deposits | 162,483,000 | 154,366,000 | 159,620,000 | 161,997,000 |
| Noninterest-bearing deposits | 23,660,000 | 25,242,000 | 26,738,000 | 27,773,000 |
| Equity capital | 18,437,000 | 18,989,000 | 19,980,000 | 19,958,000 |
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 | 2,350,000 | 4,718,000 | 7,582,000 | 10,202,000 |
| Interest expense | 702,000 | 1,464,000 | 2,426,000 | 3,363,000 |
| Net interest income | 1,648,000 | 3,254,000 | 5,156,000 | 6,839,000 |
| Noninterest income | 469,000 | 960,000 | 1,457,000 | 1,974,000 |
| Noninterest expense | 1,641,000 | 3,274,000 | 5,231,000 | 6,837,000 |
| Provision for loan losses | 119,000 | 138,000 | 158,000 | 427,000 |
| Pretax income | 357,000 | 802,000 | 1,224,000 | 1,549,000 |
| Income tax | 71,000 | 177,000 | 277,000 | 342,000 |
| Net income | 286,000 | 625,000 | 947,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,161,000 | 17,326,000 | 18,494,000 | 18,769,000 |
| Total capital | 17,787,000 | 17,969,000 | 19,172,000 | 19,650,000 |
| Risk-weighted assets | 113,215,000 | 114,032,000 | 127,880,000 | 128,878,000 |