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 | 147,937,000 | 142,157,000 | 145,938,000 | 145,706,000 |
| Total loans | 90,097,000 | 88,179,000 | 87,905,000 | 87,479,000 |
| Allowance for loan losses | 998,000 | 1,028,000 | 1,093,000 | 995,000 |
| Securities available for sale | 33,004,000 | 32,797,000 | 33,492,000 | 35,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,907,000 | 126,407,000 | 129,900,000 | 129,515,000 |
| Interest-bearing deposits | 120,552,000 | 114,612,000 | 116,887,000 | 117,782,000 |
| Noninterest-bearing deposits | 11,355,000 | 11,795,000 | 13,013,000 | 11,733,000 |
| Equity capital | 14,251,000 | 14,017,000 | 14,373,000 | 14,405,000 |
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 | 2,250,000 | 4,517,000 | 6,811,000 | 9,059,000 |
| Interest expense | 1,122,000 | 2,286,000 | 3,450,000 | 4,608,000 |
| Net interest income | 1,128,000 | 2,231,000 | 3,361,000 | 4,451,000 |
| Noninterest income | 137,000 | 304,000 | 417,000 | 507,000 |
| Noninterest expense | 992,000 | 1,978,000 | 2,980,000 | 3,963,000 |
| Provision for loan losses | 20,000 | 80,000 | 140,000 | 200,000 |
| Pretax income | 253,000 | 477,000 | 658,000 | 824,000 |
| Income tax | 38,000 | 78,000 | 101,000 | 119,000 |
| Net income | 215,000 | 399,000 | 557,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,266,000 | 14,315,000 | 14,337,000 | 14,215,000 |
| Total capital | 15,264,000 | 15,343,000 | 15,430,000 | 15,210,000 |
| Risk-weighted assets | 90,003,000 | 88,005,000 | 89,977,000 | 91,584,000 |