Call reports 2005
FARMERS & MERCHANTS UNION BANK — 2005
What FARMERS & MERCHANTS UNION 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 | 151,634,000 | 159,782,000 | 172,682,000 | 181,083,000 |
| Total loans | 121,190,000 | 131,717,000 | 142,107,000 | 148,666,000 |
| Allowance for loan losses | 1,123,000 | 1,241,000 | 1,323,000 | 1,415,000 |
| Securities available for sale | 20,155,000 | 20,278,000 | 19,805,000 | 16,134,000 |
| Securities held to maturity | 471,000 | 171,000 | 171,000 | 130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,625,000 | 135,387,000 | 134,989,000 | 147,207,000 |
| Interest-bearing deposits | 108,655,000 | 114,423,000 | 111,832,000 | 119,044,000 |
| Noninterest-bearing deposits | 18,970,000 | 20,964,000 | 23,157,000 | 28,163,000 |
| Equity capital | 16,247,000 | 16,644,000 | 17,087,000 | 17,226,000 |
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 | 1,993,000 | 4,196,000 | 6,655,000 | 9,278,000 |
| Interest expense | 545,000 | 1,219,000 | 2,085,000 | 3,104,000 |
| Net interest income | 1,448,000 | 2,977,000 | 4,570,000 | 6,174,000 |
| Noninterest income | 142,000 | 256,000 | 378,000 | 508,000 |
| Noninterest expense | 836,000 | 1,747,000 | 2,609,000 | 3,712,000 |
| Provision for loan losses | 0 | 125,000 | 200,000 | 300,000 |
| Pretax income | 754,000 | 1,361,000 | 2,139,000 | 2,670,000 |
| Income tax | 206,000 | 452,000 | 759,000 | 938,000 |
| Net income | 548,000 | 909,000 | 1,380,000 | 1,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,108,000 | 16,469,000 | 16,940,000 | 17,175,000 |
| Total capital | 17,231,000 | 17,710,000 | 18,263,000 | 18,590,000 |
| Risk-weighted assets | 117,013,000 | 126,315,000 | 136,753,000 | 144,107,000 |