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 | 148,112,000 | 150,082,000 | 153,989,000 | 154,588,000 |
| Total loans | 112,281,000 | 116,208,000 | 119,226,000 | 120,479,000 |
| Allowance for loan losses | 1,693,000 | 1,801,000 | 1,771,000 | 1,790,000 |
| Securities available for sale | 25,498,000 | 26,070,000 | 26,195,000 | 26,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,491,000 | 113,451,000 | 115,768,000 | 116,103,000 |
| Interest-bearing deposits | 105,998,000 | 101,921,000 | 105,098,000 | 104,646,000 |
| Noninterest-bearing deposits | 9,492,000 | 11,530,000 | 10,670,000 | 11,457,000 |
| Equity capital | 15,544,000 | 15,618,000 | 16,104,000 | 15,831,000 |
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 | 2,104,000 | 4,272,000 | 6,509,000 | 8,767,000 |
| Interest expense | 675,000 | 1,364,000 | 2,130,000 | 2,976,000 |
| Net interest income | 1,429,000 | 2,908,000 | 4,379,000 | 5,791,000 |
| Noninterest income | 235,000 | 455,000 | 708,000 | 1,131,000 |
| Noninterest expense | 850,000 | 1,688,000 | 2,554,000 | 3,350,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 575,000 |
| Pretax income | 724,000 | 1,495,000 | 2,263,000 | 2,997,000 |
| Income tax | 198,000 | 415,000 | 630,000 | 864,000 |
| Net income | 526,000 | 1,080,000 | 1,633,000 | 2,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,315,000 | 15,293,000 | 15,845,000 | 15,764,000 |
| Total capital | 16,645,000 | 16,680,000 | 17,277,000 | 17,204,000 |
| Risk-weighted assets | 106,050,000 | 110,521,000 | 114,254,000 | 114,874,000 |
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