Call reports 2005
FARMERS AND MERCHANTS STATE BANK OF PIERZ — 2005
What FARMERS AND MERCHANTS STATE BANK OF PIERZ 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 | 151,275,000 | 151,852,000 | 153,421,000 | 154,769,000 |
| Total loans | 113,543,000 | 114,996,000 | 115,406,000 | 116,909,000 |
| Allowance for loan losses | 894,000 | 923,000 | 864,000 | 842,000 |
| Securities available for sale | 31,794,000 | 31,538,000 | 32,787,000 | 31,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,300,000 | 127,242,000 | 130,827,000 | 132,438,000 |
| Interest-bearing deposits | 113,568,000 | 107,933,000 | 109,178,000 | 109,206,000 |
| Noninterest-bearing deposits | 19,732,000 | 19,309,000 | 21,649,000 | 23,232,000 |
| Equity capital | 12,788,000 | 13,555,000 | 13,827,000 | 14,704,000 |
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 | 2,255,000 | 4,590,000 | 6,969,000 | 9,480,000 |
| Interest expense | 637,000 | 1,332,000 | 2,081,000 | 2,880,000 |
| Net interest income | 1,618,000 | 3,258,000 | 4,888,000 | 6,600,000 |
| Noninterest income | 161,000 | 366,000 | 596,000 | 807,000 |
| Noninterest expense | 608,000 | 1,222,000 | 1,864,000 | 2,581,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,153,000 | 2,354,000 | 3,565,000 | 4,745,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 1,151,000 | 2,352,000 | 3,563,000 | 4,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,070,000 | 13,284,000 | 13,977,000 | 15,155,000 |
| Total capital | 13,964,000 | 14,207,000 | 14,841,000 | 15,997,000 |
| Risk-weighted assets | 125,998,000 | 120,843,000 | 122,605,000 | 125,281,000 |