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 | 49,828,000 | 46,739,000 | 49,998,000 | 52,450,000 |
| Total loans | 26,195,000 | 26,458,000 | 28,847,000 | 27,991,000 |
| Allowance for loan losses | 283,000 | 296,000 | 297,000 | 311,000 |
| Securities available for sale | 6,171,000 | 7,587,000 | 9,265,000 | 8,252,000 |
| Securities held to maturity | 270,000 | 215,000 | 215,000 | 165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,096,000 | 40,775,000 | 43,777,000 | 46,537,000 |
| Interest-bearing deposits | 35,932,000 | 34,006,000 | 38,091,000 | 38,474,000 |
| Noninterest-bearing deposits | 8,164,000 | 6,769,000 | 5,686,000 | 8,063,000 |
| Equity capital | 5,471,000 | 5,677,000 | 5,877,000 | 5,560,000 |
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 | 621,000 | 1,275,000 | 1,973,000 | 2,750,000 |
| Interest expense | 128,000 | 280,000 | 463,000 | 680,000 |
| Net interest income | 493,000 | 995,000 | 1,510,000 | 2,070,000 |
| Noninterest income | 30,000 | 57,000 | 109,000 | 135,000 |
| Noninterest expense | 262,000 | 505,000 | 744,000 | 1,087,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 35,000 |
| Pretax income | 241,000 | 527,000 | 855,000 | 1,083,000 |
| Income tax | 97,000 | 196,000 | 313,000 | 388,000 |
| Net income | 144,000 | 331,000 | 542,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,554,000 | 5,741,000 | 5,951,000 | 5,655,000 |
| Total capital | 5,837,000 | 6,037,000 | 6,248,000 | 5,966,000 |
| Risk-weighted assets | 30,963,000 | 30,840,000 | 33,450,000 | 33,572,000 |