Call reports 2005
FARMERS & MERCHANTS BANK OF HUTSONVILLE — 2005
What FARMERS & MERCHANTS BANK OF HUTSONVILLE 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 | 37,786,000 | 36,724,000 | 35,557,000 | 36,291,000 |
| Total loans | 6,881,000 | 7,881,000 | 8,407,000 | 8,960,000 |
| Allowance for loan losses | 85,000 | 85,000 | 85,000 | 85,000 |
| Securities available for sale | 5,636,000 | 6,657,000 | 6,820,000 | 6,779,000 |
| Securities held to maturity | 1,785,000 | 1,733,000 | 1,398,000 | 1,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,366,000 | 27,046,000 | 25,841,000 | 26,754,000 |
| Interest-bearing deposits | 25,489,000 | 24,776,000 | 23,834,000 | 23,462,000 |
| Noninterest-bearing deposits | 2,877,000 | 2,270,000 | 2,007,000 | 3,292,000 |
| Equity capital | 5,845,000 | 6,077,000 | 6,074,000 | 5,878,000 |
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 | 316,000 | 661,000 | 1,033,000 | 1,424,000 |
| Interest expense | 187,000 | 384,000 | 585,000 | 798,000 |
| Net interest income | 129,000 | 277,000 | 448,000 | 626,000 |
| Noninterest income | 21,000 | 38,000 | 56,000 | 79,000 |
| Noninterest expense | 73,000 | 166,000 | 232,000 | 482,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 149,000 | 272,000 | 223,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 77,000 | 149,000 | 272,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,941,000 | 6,013,000 | 6,136,000 | 5,974,000 |
| Total capital | 6,026,000 | 6,098,000 | 6,221,000 | 6,059,000 |
| Risk-weighted assets | 12,604,000 | 13,131,000 | 13,194,000 | 13,376,000 |