Call reports 2005
FARMERS AND MERCHANTS BANK OF ST. CLAIR — 2005
What FARMERS AND MERCHANTS BANK OF ST. CLAIR 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 | 151,668,000 | 148,592,000 | 149,034,000 | 149,915,000 |
| Total loans | 126,383,000 | 123,966,000 | 123,603,000 | 125,805,000 |
| Allowance for loan losses | 1,647,000 | 1,740,000 | 1,794,000 | 1,896,000 |
| Securities available for sale | 13,418,000 | 13,503,000 | 13,742,000 | 11,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,485,000 | 117,745,000 | 116,259,000 | 123,761,000 |
| Interest-bearing deposits | 104,022,000 | 99,704,000 | 97,590,000 | 103,916,000 |
| Noninterest-bearing deposits | 17,463,000 | 18,041,000 | 18,669,000 | 19,845,000 |
| Equity capital | 11,932,000 | 12,499,000 | 12,933,000 | 13,343,000 |
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 | 2,309,000 | 4,801,000 | 7,342,000 | 9,985,000 |
| Interest expense | 681,000 | 1,383,000 | 2,112,000 | 2,927,000 |
| Net interest income | 1,628,000 | 3,418,000 | 5,230,000 | 7,058,000 |
| Noninterest income | 296,000 | 632,000 | 1,019,000 | 1,382,000 |
| Noninterest expense | 1,292,000 | 2,505,000 | 3,810,000 | 5,142,000 |
| Provision for loan losses | 105,000 | 247,000 | 373,000 | 524,000 |
| Pretax income | 527,000 | 1,298,000 | 2,066,000 | 2,774,000 |
| Income tax | 201,000 | 458,000 | 732,000 | 991,000 |
| Net income | 326,000 | 840,000 | 1,334,000 | 1,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,076,000 | 12,591,000 | 13,050,000 | 13,498,000 |
| Total capital | 13,594,000 | 14,101,000 | 14,548,000 | 15,024,000 |
| Risk-weighted assets | 121,282,000 | 120,577,000 | 119,707,000 | 121,706,000 |