Call reports 2009
FARMERS & MERCHANTS UNION BANK — 2009
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 240,741,000 | 258,308,000 | 270,831,000 | 294,911,000 |
| Total loans | 212,232,000 | 232,986,000 | 239,090,000 | 239,392,000 |
| Allowance for loan losses | 1,759,000 | 1,907,000 | 2,390,000 | 4,550,000 |
| Securities available for sale | 16,023,000 | 13,135,000 | 13,652,000 | 14,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,172,000 | 204,820,000 | 225,164,000 | 251,446,000 |
| Interest-bearing deposits | 169,786,000 | 183,886,000 | 202,294,000 | 218,064,000 |
| Noninterest-bearing deposits | 20,386,000 | 20,934,000 | 22,870,000 | 33,382,000 |
| Equity capital | 21,972,000 | 22,244,000 | 22,792,000 | 22,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,157,000 | 6,737,000 | 10,410,000 | 14,108,000 |
| Interest expense | 1,425,000 | 2,761,000 | 4,058,000 | 5,300,000 |
| Net interest income | 1,732,000 | 3,976,000 | 6,352,000 | 8,808,000 |
| Noninterest income | 266,000 | 325,000 | 460,000 | 617,000 |
| Noninterest expense | 1,277,000 | 2,748,000 | 4,052,000 | 5,383,000 |
| Provision for loan losses | 100,000 | 250,000 | 750,000 | 3,010,000 |
| Pretax income | 621,000 | 1,333,000 | 2,144,000 | 1,166,000 |
| Income tax | 161,000 | 382,000 | 853,000 | -27,000 |
| Net income | 460,000 | 951,000 | 1,291,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,713,000 | 22,066,000 | 22,406,000 | 22,159,000 |
| Total capital | 23,472,000 | 23,973,000 | 24,796,000 | 25,189,000 |
| Risk-weighted assets | 208,286,000 | 232,613,000 | 241,734,000 | 240,912,000 |