Call reports 2005
FARMERS AND MERCHANTS BANK OF KENDALL — 2005
What FARMERS AND MERCHANTS BANK OF KENDALL 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 | 33,184,000 | 34,149,000 | 36,246,000 | 38,745,000 |
| Total loans | 29,940,000 | 30,548,000 | 32,991,000 | 34,927,000 |
| Allowance for loan losses | 437,000 | 437,000 | 457,000 | 452,000 |
| Securities available for sale | 1,461,000 | 1,472,000 | 1,456,000 | 1,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,637,000 | 29,057,000 | 29,076,000 | 30,885,000 |
| Interest-bearing deposits | 25,844,000 | 25,871,000 | 25,594,000 | 27,082,000 |
| Noninterest-bearing deposits | 3,793,000 | 3,186,000 | 3,482,000 | 3,803,000 |
| Equity capital | 2,859,000 | 2,859,000 | 2,891,000 | 3,092,000 |
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 | 571,000 | 1,185,000 | 1,833,000 | 2,562,000 |
| Interest expense | 150,000 | 338,000 | 556,000 | 814,000 |
| Net interest income | 421,000 | 847,000 | 1,277,000 | 1,748,000 |
| Noninterest income | 66,000 | 109,000 | 155,000 | 202,000 |
| Noninterest expense | 212,000 | 422,000 | 658,000 | 915,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 275,000 | 534,000 | 774,000 | 1,035,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 275,000 | 534,000 | 774,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,828,000 | 2,817,000 | 2,864,000 | 3,075,000 |
| Total capital | 3,150,000 | 3,147,000 | 3,228,000 | 3,454,000 |
| Risk-weighted assets | 25,620,000 | 26,317,000 | 28,987,000 | 30,282,000 |