Call reports 2006
FARMERS & MERCHANTS UNION BANK — 2006
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 184,141,000 | 196,720,000 | 208,357,000 | 228,066,000 |
| Total loans | 150,954,000 | 169,773,000 | 180,874,000 | 185,415,000 |
| Allowance for loan losses | 1,460,000 | 1,543,000 | 1,628,000 | 1,711,000 |
| Securities available for sale | 15,449,000 | 15,008,000 | 15,233,000 | 15,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,166,000 | 162,469,000 | 165,326,000 | 190,123,000 |
| Interest-bearing deposits | 128,488,000 | 141,583,000 | 142,933,000 | 165,354,000 |
| Noninterest-bearing deposits | 20,678,000 | 20,886,000 | 22,393,000 | 24,769,000 |
| Equity capital | 17,782,000 | 17,934,000 | 18,560,000 | 18,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,709,000 | 5,783,000 | 9,160,000 | 12,775,000 |
| Interest expense | 1,138,000 | 2,491,000 | 4,137,000 | 5,951,000 |
| Net interest income | 1,571,000 | 3,292,000 | 5,023,000 | 6,824,000 |
| Noninterest income | 108,000 | 212,000 | 328,000 | 303,000 |
| Noninterest expense | 864,000 | 1,901,000 | 2,891,000 | 3,997,000 |
| Provision for loan losses | 50,000 | 125,000 | 200,000 | 375,000 |
| Pretax income | 765,000 | 1,478,000 | 2,260,000 | 2,755,000 |
| Income tax | 196,000 | 547,000 | 806,000 | 1,016,000 |
| Net income | 569,000 | 931,000 | 1,454,000 | 1,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,745,000 | 17,969,000 | 18,492,000 | 18,627,000 |
| Total capital | 19,205,000 | 19,512,000 | 20,120,000 | 20,338,000 |
| Risk-weighted assets | 147,217,000 | 163,753,000 | 177,814,000 | 186,076,000 |
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