Call reports 2016
FARMERS & MERCHANTS UNION BANK — 2016
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 310,010,000 | 339,132,000 | 351,107,000 | 373,416,000 |
| Total loans | 277,669,000 | 305,528,000 | 320,385,000 | 322,059,000 |
| Allowance for loan losses | 8,432,000 | 8,749,000 | 9,049,000 | 9,875,000 |
| Securities available for sale | 17,011,000 | 17,532,000 | 15,945,000 | 17,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,152,000 | 301,856,000 | 312,306,000 | 334,236,000 |
| Interest-bearing deposits | 227,673,000 | 253,533,000 | 269,160,000 | 269,076,000 |
| Noninterest-bearing deposits | 45,479,000 | 48,323,000 | 43,146,000 | 65,160,000 |
| Equity capital | 34,116,000 | 34,627,000 | 35,846,000 | 35,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,429,000 | 6,939,000 | 10,817,000 | 14,798,000 |
| Interest expense | 313,000 | 677,000 | 1,163,000 | 1,671,000 |
| Net interest income | 3,116,000 | 6,262,000 | 9,654,000 | 13,127,000 |
| Noninterest income | 239,000 | 817,000 | 1,112,000 | 1,381,000 |
| Noninterest expense | 1,370,000 | 3,007,000 | 4,348,000 | 6,076,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,650,000 |
| Pretax income | 1,685,000 | 3,472,000 | 5,518,000 | 6,782,000 |
| Income tax | 771,000 | 1,601,000 | 2,517,000 | 3,338,000 |
| Net income | 914,000 | 1,871,000 | 3,001,000 | 3,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,720,000 | 34,215,000 | 35,346,000 | 35,533,000 |
| Total capital | 37,381,000 | 38,374,000 | 39,605,000 | 39,808,000 |
| Risk-weighted assets | 288,114,000 | 328,106,000 | 335,938,000 | 336,363,000 |