Call reports 2015
FARMERS & MERCHANTS UNION BANK — 2015
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 285,899,000 | 299,833,000 | 306,712,000 | 319,835,000 |
| Total loans | 245,884,000 | 265,424,000 | 272,171,000 | 265,918,000 |
| Allowance for loan losses | 6,147,000 | 6,390,000 | 6,674,000 | 8,131,000 |
| Securities available for sale | 17,086,000 | 16,895,000 | 15,469,000 | 17,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,663,000 | 264,255,000 | 269,908,000 | 284,892,000 |
| Interest-bearing deposits | 211,426,000 | 224,518,000 | 227,370,000 | 232,688,000 |
| Noninterest-bearing deposits | 39,237,000 | 39,737,000 | 42,538,000 | 52,204,000 |
| Equity capital | 32,718,000 | 33,293,000 | 34,317,000 | 33,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,105,000 | 6,460,000 | 9,939,000 | 13,381,000 |
| Interest expense | 250,000 | 524,000 | 825,000 | 1,137,000 |
| Net interest income | 2,855,000 | 5,936,000 | 9,114,000 | 12,244,000 |
| Noninterest income | 251,000 | 589,000 | 885,000 | 1,638,000 |
| Noninterest expense | 1,325,000 | 2,777,000 | 4,258,000 | 5,919,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 2,900,000 |
| Pretax income | 1,481,000 | 3,148,000 | 4,841,000 | 5,063,000 |
| Income tax | 687,000 | 1,438,000 | 2,201,000 | 1,829,000 |
| Net income | 794,000 | 1,710,000 | 2,640,000 | 3,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,309,000 | 33,010,000 | 33,943,000 | 32,816,000 |
| Total capital | 35,477,000 | 36,489,000 | 37,518,000 | 36,284,000 |
| Risk-weighted assets | 250,476,000 | 275,427,000 | 282,941,000 | 272,822,000 |