Call reports 2005
FARMERS AND MERCHANTS BANK — 2005
What FARMERS AND 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 | 53,970,000 | 53,699,000 | 54,809,000 | 53,747,000 |
| Total loans | 18,251,000 | 18,281,000 | 18,073,000 | 17,635,000 |
| Allowance for loan losses | 374,000 | 377,000 | 370,000 | 370,000 |
| Securities available for sale | 9,429,000 | 6,846,000 | 5,817,000 | 6,690,000 |
| Securities held to maturity | 21,943,000 | 22,575,000 | 24,224,000 | 25,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,630,000 | 48,298,000 | 49,228,000 | 48,175,000 |
| Interest-bearing deposits | 36,048,000 | 35,587,000 | 34,806,000 | 34,733,000 |
| Noninterest-bearing deposits | 12,582,000 | 12,711,000 | 14,422,000 | 13,442,000 |
| Equity capital | 5,120,000 | 5,185,000 | 5,310,000 | 5,308,000 |
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 | 527,000 | 1,063,000 | 1,633,000 | 2,228,000 |
| Interest expense | 95,000 | 204,000 | 324,000 | 459,000 |
| Net interest income | 432,000 | 859,000 | 1,309,000 | 1,769,000 |
| Noninterest income | 175,000 | 345,000 | 523,000 | 699,000 |
| Noninterest expense | 450,000 | 886,000 | 1,333,000 | 1,803,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 157,000 | 291,000 | 472,000 | 638,000 |
| Income tax | 50,000 | 95,000 | 150,000 | 195,000 |
| Net income | 107,000 | 196,000 | 322,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,145,000 | 5,235,000 | 5,361,000 | 5,332,000 |
| Total capital | 5,442,000 | 5,538,000 | 5,678,000 | 5,636,000 |
| Risk-weighted assets | 23,685,000 | 24,141,000 | 25,302,000 | 24,271,000 |
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