Call reports 2012
FARMERS & MERCHANTS UNION BANK — 2012
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 275,509,000 | 266,831,000 | 259,027,000 | 274,376,000 |
| Total loans | 206,336,000 | 206,920,000 | 210,141,000 | 208,351,000 |
| Allowance for loan losses | 5,039,000 | 4,952,000 | 5,354,000 | 4,074,000 |
| Securities available for sale | 17,981,000 | 18,202,000 | 17,326,000 | 18,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,137,000 | 238,028,000 | 229,262,000 | 244,817,000 |
| Interest-bearing deposits | 214,315,000 | 207,302,000 | 197,823,000 | 205,466,000 |
| Noninterest-bearing deposits | 32,822,000 | 30,726,000 | 31,439,000 | 39,351,000 |
| Equity capital | 27,111,000 | 27,722,000 | 28,482,000 | 28,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,105,000 | 6,202,000 | 9,296,000 | 12,317,000 |
| Interest expense | 518,000 | 982,000 | 1,375,000 | 1,726,000 |
| Net interest income | 2,587,000 | 5,220,000 | 7,921,000 | 10,591,000 |
| Noninterest income | 309,000 | 667,000 | 1,134,000 | 1,548,000 |
| Noninterest expense | 1,824,000 | 2,994,000 | 4,618,000 | 6,268,000 |
| Provision for loan losses | 300,000 | 1,050,000 | 1,450,000 | 2,300,000 |
| Pretax income | 772,000 | 1,688,000 | 2,832,000 | 3,371,000 |
| Income tax | 296,000 | 613,000 | 919,000 | 1,199,000 |
| Net income | 476,000 | 1,075,000 | 1,913,000 | 2,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,619,000 | 27,143,000 | 27,906,000 | 28,040,000 |
| Total capital | 29,271,000 | 29,813,000 | 30,623,000 | 30,732,000 |
| Risk-weighted assets | 209,766,000 | 211,343,000 | 214,751,000 | 213,944,000 |