Call reports 2007
FARMERS & MERCHANTS BANK & TRUST — 2007
What FARMERS & MERCHANTS BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 221,755,000 | 216,949,000 | 217,012,000 | 216,390,000 |
| Total loans | 118,945,000 | 123,701,000 | 129,996,000 | 134,861,000 |
| Allowance for loan losses | 1,107,000 | 1,210,000 | 1,269,000 | 1,049,000 |
| Securities available for sale | 75,963,000 | 76,161,000 | 68,035,000 | 62,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,441,000 | 186,546,000 | 177,674,000 | 184,170,000 |
| Interest-bearing deposits | 169,326,000 | 163,266,000 | 154,800,000 | 158,345,000 |
| Noninterest-bearing deposits | 25,115,000 | 23,280,000 | 22,874,000 | 25,825,000 |
| Equity capital | 21,071,000 | 20,821,000 | 21,679,000 | 22,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,035,000 | 6,133,000 | 9,264,000 | 12,412,000 |
| Interest expense | 1,209,000 | 2,467,000 | 3,765,000 | 4,941,000 |
| Net interest income | 1,826,000 | 3,666,000 | 5,499,000 | 7,471,000 |
| Noninterest income | 634,000 | 1,234,000 | 1,933,000 | 2,587,000 |
| Noninterest expense | 2,002,000 | 3,998,000 | 6,042,000 | 7,831,000 |
| Provision for loan losses | 90,000 | 210,000 | 340,000 | 510,000 |
| Pretax income | 368,000 | 692,000 | 1,060,000 | 1,727,000 |
| Income tax | 106,000 | 206,000 | 317,000 | 500,000 |
| Net income | 262,000 | 486,000 | 743,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,513,000 | 19,509,000 | 19,780,000 | 20,034,000 |
| Total capital | 20,620,000 | 20,719,000 | 21,049,000 | 21,083,000 |
| Risk-weighted assets | 129,106,000 | 131,830,000 | 135,696,000 | 138,870,000 |