Call reports 2010
FARMERS & MERCHANTS UNION BANK — 2010
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 293,172,000 | 278,582,000 | 283,050,000 | 264,446,000 |
| Total loans | 238,265,000 | 245,170,000 | 238,720,000 | 228,104,000 |
| Allowance for loan losses | 4,487,000 | 4,787,000 | 5,440,000 | 6,539,000 |
| Securities available for sale | 14,808,000 | 14,730,000 | 14,920,000 | 14,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,493,000 | 244,120,000 | 247,867,000 | 235,291,000 |
| Interest-bearing deposits | 221,912,000 | 219,836,000 | 224,416,000 | 205,337,000 |
| Noninterest-bearing deposits | 27,581,000 | 24,284,000 | 23,451,000 | 29,954,000 |
| Equity capital | 23,191,000 | 24,154,000 | 24,831,000 | 24,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,626,000 | 7,339,000 | 11,007,000 | 14,589,000 |
| Interest expense | 1,148,000 | 2,312,000 | 3,319,000 | 4,402,000 |
| Net interest income | 2,478,000 | 5,027,000 | 7,688,000 | 10,187,000 |
| Noninterest income | 184,000 | 539,000 | 853,000 | 1,132,000 |
| Noninterest expense | 1,461,000 | 2,771,000 | 4,187,000 | 5,602,000 |
| Provision for loan losses | 200,000 | 500,000 | 1,200,000 | 2,900,000 |
| Pretax income | 1,001,000 | 2,298,000 | 3,157,000 | 2,820,000 |
| Income tax | 304,000 | 781,000 | 1,100,000 | 850,000 |
| Net income | 697,000 | 1,517,000 | 2,057,000 | 1,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,856,000 | 23,884,000 | 24,423,000 | 24,275,000 |
| Total capital | 25,868,000 | 26,947,000 | 27,389,000 | 27,089,000 |
| Risk-weighted assets | 239,488,000 | 243,355,000 | 234,830,000 | 221,380,000 |