Call reports 2006
FARMERS & MERCHANTS BANK & TRUST — 2006
What FARMERS & MERCHANTS BANK & TRUST 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 | 214,837,000 | 213,612,000 | 210,709,000 | 219,405,000 |
| Total loans | 116,420,000 | 117,885,000 | 118,109,000 | 117,520,000 |
| Allowance for loan losses | 908,000 | 958,000 | 994,000 | 1,019,000 |
| Securities available for sale | 76,299,000 | 76,532,000 | 73,532,000 | 76,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,670,000 | 187,905,000 | 181,052,000 | 191,289,000 |
| Interest-bearing deposits | 162,665,000 | 160,107,000 | 155,419,000 | 166,037,000 |
| Noninterest-bearing deposits | 27,005,000 | 27,798,000 | 25,633,000 | 25,252,000 |
| Equity capital | 20,172,000 | 19,850,000 | 20,425,000 | 20,901,000 |
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 | 2,681,000 | 5,486,000 | 8,321,000 | 11,294,000 |
| Interest expense | 881,000 | 1,830,000 | 2,835,000 | 3,925,000 |
| Net interest income | 1,800,000 | 3,656,000 | 5,486,000 | 7,369,000 |
| Noninterest income | 554,000 | 1,087,000 | 1,647,000 | 2,266,000 |
| Noninterest expense | 1,743,000 | 3,489,000 | 5,256,000 | 7,081,000 |
| Provision for loan losses | 45,000 | 407,000 | 452,000 | 497,000 |
| Pretax income | 628,000 | 909,000 | 1,487,000 | 2,119,000 |
| Income tax | 191,000 | 253,000 | 452,000 | 659,000 |
| Net income | 437,000 | 656,000 | 1,035,000 | 1,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,122,000 | 19,126,000 | 19,097,000 | 19,487,000 |
| Total capital | 20,030,000 | 20,084,000 | 20,091,000 | 20,506,000 |
| Risk-weighted assets | 126,027,000 | 127,149,000 | 126,351,000 | 127,167,000 |