Call reports 2013
FARMERS & MERCHANTS UNION BANK — 2013
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 259,791,000 | 251,225,000 | 253,406,000 | 273,370,000 |
| Total loans | 209,157,000 | 212,557,000 | 218,298,000 | 216,416,000 |
| Allowance for loan losses | 4,369,000 | 4,614,000 | 4,569,000 | 4,524,000 |
| Securities available for sale | 18,604,000 | 18,285,000 | 17,101,000 | 18,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,974,000 | 220,177,000 | 220,742,000 | 241,440,000 |
| Interest-bearing deposits | 195,587,000 | 187,834,000 | 183,449,000 | 199,208,000 |
| Noninterest-bearing deposits | 33,387,000 | 32,343,000 | 37,293,000 | 42,232,000 |
| Equity capital | 29,325,000 | 29,729,000 | 30,453,000 | 30,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,960,000 | 5,927,000 | 8,941,000 | 11,995,000 |
| Interest expense | 317,000 | 609,000 | 878,000 | 1,139,000 |
| Net interest income | 2,643,000 | 5,318,000 | 8,063,000 | 10,856,000 |
| Noninterest income | 301,000 | 572,000 | 845,000 | 1,237,000 |
| Noninterest expense | 1,376,000 | 2,739,000 | 4,017,000 | 5,607,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,900,000 |
| Pretax income | 1,268,000 | 2,551,000 | 3,991,000 | 4,586,000 |
| Income tax | 578,000 | 1,194,000 | 1,756,000 | 2,044,000 |
| Net income | 690,000 | 1,357,000 | 2,235,000 | 2,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,730,000 | 29,260,000 | 30,138,000 | 30,244,000 |
| Total capital | 31,442,000 | 31,990,000 | 32,973,000 | 33,062,000 |
| Risk-weighted assets | 215,267,000 | 216,498,000 | 225,076,000 | 223,765,000 |