Call reports 2019
FARMERS & MERCHANTS UNION BANK — 2019
What FARMERS & MERCHANTS UNION BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 403,950,000 | 393,136,000 | 395,605,000 | 398,310,000 |
| Total loans | 351,439,000 | 347,593,000 | 337,315,000 | 328,079,000 |
| Allowance for loan losses | 15,303,000 | 15,563,000 | 16,035,000 | 13,508,000 |
| Securities available for sale | 19,868,000 | 21,057,000 | 23,032,000 | 27,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,781,000 | 340,471,000 | 343,404,000 | 346,380,000 |
| Interest-bearing deposits | 301,293,000 | 291,995,000 | 292,911,000 | 286,337,000 |
| Noninterest-bearing deposits | 50,488,000 | 48,476,000 | 50,493,000 | 60,043,000 |
| Equity capital | 43,923,000 | 45,037,000 | 46,299,000 | 46,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,792,000 | 9,622,000 | 14,472,000 | 19,157,000 |
| Interest expense | 1,174,000 | 2,412,000 | 3,691,000 | 4,849,000 |
| Net interest income | 3,618,000 | 7,210,000 | 10,781,000 | 14,308,000 |
| Noninterest income | 208,000 | 441,000 | 689,000 | 800,000 |
| Noninterest expense | 1,633,000 | 3,293,000 | 4,933,000 | 6,791,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,000,000 | 2,300,000 |
| Pretax income | 1,893,000 | 3,758,000 | 5,537,000 | 6,017,000 |
| Income tax | 591,000 | 1,238,000 | 1,815,000 | 1,695,000 |
| Net income | 1,302,000 | 2,520,000 | 3,722,000 | 4,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,741,000 | 44,684,000 | 45,886,000 | 46,186,000 |
| Total capital | 48,489,000 | 49,422,000 | 50,464,000 | 50,678,000 |
| Risk-weighted assets | 369,268,000 | 368,236,000 | 354,790,000 | 350,275,000 |