Call reports 2005
MERCHANTS AND FARMERS BANK — 2005
What MERCHANTS AND FARMERS 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 | 1,184,179,000 | 1,204,523,000 | 1,243,560,000 | 1,263,804,000 |
| Total loans | 863,880,000 | 882,517,000 | 931,836,000 | 938,784,000 |
| Allowance for loan losses | 11,776,000 | 12,274,000 | 12,410,000 | 12,449,000 |
| Securities available for sale | 198,354,000 | 195,318,000 | 189,397,000 | 185,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 961,989,000 | 955,222,000 | 951,277,000 | 974,029,000 |
| Interest-bearing deposits | 825,848,000 | 819,238,000 | 803,315,000 | 809,830,000 |
| Noninterest-bearing deposits | 136,141,000 | 135,984,000 | 147,962,000 | 164,199,000 |
| Equity capital | 110,744,000 | 113,089,000 | 114,101,000 | 116,011,000 |
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 | 15,613,000 | 32,068,000 | 49,362,000 | 67,950,000 |
| Interest expense | 4,813,000 | 10,233,000 | 16,326,000 | 22,997,000 |
| Net interest income | 10,800,000 | 21,835,000 | 33,036,000 | 44,953,000 |
| Noninterest income | 4,057,000 | 8,007,000 | 12,410,000 | 16,129,000 |
| Noninterest expense | 9,119,000 | 18,724,000 | 28,625,000 | 38,952,000 |
| Provision for loan losses | 871,000 | 1,689,000 | 2,456,000 | 3,146,000 |
| Pretax income | 4,867,000 | 9,429,000 | 14,365,000 | 18,960,000 |
| Income tax | 1,565,000 | 3,036,000 | 4,646,000 | 6,136,000 |
| Net income | 3,302,000 | 6,393,000 | 9,719,000 | 12,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,972,000 | 97,776,000 | 99,751,000 | 102,370,000 |
| Total capital | 107,381,000 | 109,570,000 | 112,167,000 | 114,824,000 |
| Risk-weighted assets | 911,651,000 | 942,451,000 | 1,001,843,000 | 1,012,203,000 |