Call reports 2007
FARMERS & MERCHANTS BANK OF COLBY — 2007
What FARMERS & MERCHANTS BANK OF COLBY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,424,000 | 81,866,000 | 85,529,000 | 90,119,000 |
| Total loans | 42,210,000 | 46,533,000 | 50,160,000 | 49,866,000 |
| Allowance for loan losses | 560,000 | 560,000 | 643,000 | 606,000 |
| Securities available for sale | 30,763,000 | 29,818,000 | 29,749,000 | 30,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,218,000 | 57,837,000 | 58,693,000 | 64,671,000 |
| Interest-bearing deposits | 53,041,000 | 52,616,000 | 52,525,000 | 58,799,000 |
| Noninterest-bearing deposits | 6,177,000 | 5,221,000 | 6,168,000 | 5,872,000 |
| Equity capital | 9,512,000 | 9,529,000 | 9,955,000 | 9,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,494,000 | 3,853,000 | 5,250,000 |
| Interest expense | 592,000 | 1,252,000 | 1,936,000 | 2,630,000 |
| Net interest income | 602,000 | 1,242,000 | 1,917,000 | 2,620,000 |
| Noninterest income | 58,000 | 111,000 | 331,000 | 380,000 |
| Noninterest expense | 422,000 | 829,000 | 1,272,000 | 1,868,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 238,000 | 524,000 | 876,000 | 1,032,000 |
| Income tax | 41,000 | 74,000 | 128,000 | 225,000 |
| Net income | 197,000 | 450,000 | 748,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,997,000 | 8,306,000 | 8,660,000 | 8,386,000 |
| Total capital | 8,557,000 | 8,866,000 | 9,303,000 | 8,992,000 |
| Risk-weighted assets | 46,934,000 | 51,864,000 | 55,649,000 | 56,478,000 |