Call reports 2005
FARMERS & MERCHANTS BANK & TRUST — 2005
What FARMERS & MERCHANTS BANK & TRUST 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 | 129,443,000 | 130,217,000 | 131,698,000 | 138,615,000 |
| Total loans | 81,240,000 | 83,607,000 | 86,083,000 | 86,890,000 |
| Allowance for loan losses | 1,041,000 | 992,000 | 1,016,000 | 1,070,000 |
| Securities available for sale | 41,036,000 | 38,263,000 | 38,220,000 | 35,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,294,000 | 112,797,000 | 114,116,000 | 123,703,000 |
| Interest-bearing deposits | 101,239,000 | 101,091,000 | 102,354,000 | 110,550,000 |
| Noninterest-bearing deposits | 12,055,000 | 11,706,000 | 11,762,000 | 13,153,000 |
| Equity capital | 13,740,000 | 14,081,000 | 14,048,000 | 13,743,000 |
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 | 1,828,000 | 3,700,000 | 5,648,000 | 7,647,000 |
| Interest expense | 568,000 | 1,170,000 | 1,888,000 | 2,646,000 |
| Net interest income | 1,260,000 | 2,530,000 | 3,760,000 | 5,001,000 |
| Noninterest income | 266,000 | 414,000 | 521,000 | 617,000 |
| Noninterest expense | 914,000 | 1,892,000 | 2,926,000 | 3,951,000 |
| Provision for loan losses | 45,000 | 90,000 | 155,000 | 230,000 |
| Pretax income | 567,000 | 1,039,000 | 1,277,000 | 1,522,000 |
| Income tax | 170,000 | 297,000 | 335,000 | 376,000 |
| Net income | 397,000 | 742,000 | 942,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,608,000 | 13,841,000 | 13,928,000 | 13,898,000 |
| Total capital | 14,634,000 | 14,833,000 | 14,944,000 | 14,968,000 |
| Risk-weighted assets | 82,085,000 | 83,280,000 | 84,838,000 | 85,872,000 |