Call reports 2006
FARMERS AND MERCHANTS BANK — 2006
What FARMERS AND MERCHANTS BANK 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 | 34,597,000 | 35,592,000 | 36,433,000 | 37,563,000 |
| Total loans | 32,767,000 | 33,459,000 | 33,893,000 | 34,316,000 |
| Allowance for loan losses | 250,000 | 253,000 | 256,000 | 259,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000 | 1,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,811,000 | 24,979,000 | 24,970,000 | 27,690,000 |
| Interest-bearing deposits | 22,667,000 | 23,542,000 | 23,194,000 | 26,312,000 |
| Noninterest-bearing deposits | 1,144,000 | 1,437,000 | 1,776,000 | 1,378,000 |
| Equity capital | 2,805,000 | 2,896,000 | 2,990,000 | 3,111,000 |
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 | 619,000 | 1,280,000 | 1,991,000 | 2,783,000 |
| Interest expense | 261,000 | 555,000 | 860,000 | 1,224,000 |
| Net interest income | 358,000 | 725,000 | 1,131,000 | 1,559,000 |
| Noninterest income | 16,000 | 38,000 | 57,000 | 74,000 |
| Noninterest expense | 202,000 | 452,000 | 676,000 | 937,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 169,000 | 305,000 | 503,000 | 684,000 |
| Income tax | 60,000 | 105,000 | 179,000 | 239,000 |
| Net income | 109,000 | 200,000 | 324,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,805,000 | 2,896,000 | 2,990,000 | 3,111,000 |
| Total capital | 3,055,000 | 3,149,000 | 3,246,000 | 3,370,000 |
| Risk-weighted assets | 30,223,000 | 31,019,000 | 31,637,000 | 32,756,000 |