Call reports 2006
FARMERS AND MERCHANTS BANK OF ST. CLAIR — 2006
What FARMERS AND MERCHANTS BANK OF ST. CLAIR reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 157,965,000 | 160,023,000 | 161,614,000 | 159,351,000 |
| Total loans | 129,479,000 | 129,781,000 | 129,633,000 | 131,371,000 |
| Allowance for loan losses | 1,617,000 | 1,691,000 | 1,738,000 | 1,850,000 |
| Securities available for sale | 15,518,000 | 15,450,000 | 15,611,000 | 14,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,434,000 | 132,017,000 | 132,192,000 | 133,315,000 |
| Interest-bearing deposits | 113,594,000 | 112,290,000 | 113,353,000 | 115,671,000 |
| Noninterest-bearing deposits | 17,840,000 | 19,727,000 | 18,839,000 | 17,644,000 |
| Equity capital | 13,681,000 | 14,048,000 | 14,477,000 | 14,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,682,000 | 5,572,000 | 8,519,000 | 11,543,000 |
| Interest expense | 934,000 | 1,945,000 | 3,000,000 | 4,211,000 |
| Net interest income | 1,748,000 | 3,627,000 | 5,519,000 | 7,332,000 |
| Noninterest income | 299,000 | 607,000 | 931,000 | 1,226,000 |
| Noninterest expense | 1,395,000 | 2,833,000 | 4,442,000 | 6,018,000 |
| Provision for loan losses | 81,000 | 190,000 | 297,000 | 414,000 |
| Pretax income | 571,000 | 1,211,000 | 1,711,000 | 2,126,000 |
| Income tax | 184,000 | 416,000 | 586,000 | 745,000 |
| Net income | 387,000 | 795,000 | 1,125,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,885,000 | 14,293,000 | 14,623,000 | 14,780,000 |
| Total capital | 15,454,000 | 14,762,000 | 16,236,000 | 16,396,000 |
| Risk-weighted assets | 125,508,000 | 138,188,000 | 128,936,000 | 129,085,000 |