Call reports 2002
FARMERS & MERCHANTS UNION BANK — 2002
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 118,480,000 | 122,192,000 | 121,773,000 | 123,950,000 |
| Total loans | 85,384,000 | 86,783,000 | 85,246,000 | 85,121,000 |
| Allowance for loan losses | 1,046,000 | 1,048,000 | 1,038,000 | 1,039,000 |
| Securities available for sale | 15,014,000 | 15,408,000 | 15,957,000 | 18,587,000 |
| Securities held to maturity | 1,511,000 | 1,509,000 | 1,507,000 | 1,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,815,000 | 107,231,000 | 106,219,000 | 110,122,000 |
| Interest-bearing deposits | 91,475,000 | 93,332,000 | 92,404,000 | 92,920,000 |
| Noninterest-bearing deposits | 12,340,000 | 13,899,000 | 13,815,000 | 17,202,000 |
| Equity capital | 12,588,000 | 12,931,000 | 13,172,000 | 13,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,746,000 | 3,512,000 | 5,365,000 | 7,091,000 |
| Interest expense | 737,000 | 1,433,000 | 2,091,000 | 2,718,000 |
| Net interest income | 1,009,000 | 2,079,000 | 3,274,000 | 4,373,000 |
| Noninterest income | 59,000 | 121,000 | 205,000 | 360,000 |
| Noninterest expense | 706,000 | 1,371,000 | 2,079,000 | 2,806,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 362,000 | 829,000 | 1,400,000 | 1,927,000 |
| Income tax | 152,000 | 296,000 | 440,000 | 616,000 |
| Net income | 210,000 | 533,000 | 960,000 | 1,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,435,000 | 12,634,000 | 12,710,000 | 12,911,000 |
| Total capital | 13,417,000 | 13,674,000 | 13,712,000 | 13,939,000 |
| Risk-weighted assets | 78,534,000 | 83,187,000 | 80,134,000 | 82,251,000 |