Call reports 2005
FARMERS AND MERCHANTS BANK — 2005
What FARMERS AND MERCHANTS BANK 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 | 28,673,000 | 28,844,000 | 31,251,000 | 32,916,000 |
| Total loans | 26,971,000 | 27,328,000 | 29,714,000 | 31,043,000 |
| Allowance for loan losses | 238,000 | 241,000 | 244,000 | 247,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,000 | 4,000 | 3,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,095,000 | 22,075,000 | 22,238,000 | 23,418,000 |
| Interest-bearing deposits | 20,723,000 | 20,683,000 | 20,538,000 | 21,467,000 |
| Noninterest-bearing deposits | 1,372,000 | 1,392,000 | 1,700,000 | 1,951,000 |
| Equity capital | 2,386,000 | 2,470,000 | 2,591,000 | 2,696,000 |
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 | 481,000 | 966,000 | 1,524,000 | 2,119,000 |
| Interest expense | 171,000 | 350,000 | 545,000 | 781,000 |
| Net interest income | 310,000 | 616,000 | 979,000 | 1,338,000 |
| Noninterest income | 15,000 | 43,000 | 60,000 | 74,000 |
| Noninterest expense | 199,000 | 400,000 | 590,000 | 802,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 123,000 | 253,000 | 440,000 | 598,000 |
| Income tax | 45,000 | 91,000 | 157,000 | 210,000 |
| Net income | 78,000 | 162,000 | 283,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,386,000 | 2,470,000 | 2,591,000 | 2,696,000 |
| Total capital | 2,624,000 | 2,711,000 | 2,835,000 | 2,943,000 |
| Risk-weighted assets | 24,462,000 | 24,742,000 | 27,212,000 | 28,738,000 |