Call reports 2005
FARMERS & MERCHANTS BANK — 2005
What FARMERS & MERCHANTS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 340,931,000 | 363,805,000 | 356,397,000 | 333,894,000 |
| Total loans | 277,960,000 | 310,470,000 | 301,094,000 | 278,935,000 |
| Allowance for loan losses | 1,545,000 | 1,638,000 | 1,613,000 | 1,652,000 |
| Securities available for sale | 33,172,000 | 22,610,000 | 22,059,000 | 21,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,247,000 | 257,557,000 | 261,804,000 | 267,734,000 |
| Interest-bearing deposits | 214,101,000 | 215,684,000 | 217,416,000 | 220,985,000 |
| Noninterest-bearing deposits | 42,146,000 | 41,873,000 | 44,388,000 | 46,749,000 |
| Equity capital | 26,764,000 | 27,191,000 | 27,634,000 | 28,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,436,000 | 9,152,000 | 14,296,000 | 19,446,000 |
| Interest expense | 1,476,000 | 3,155,000 | 5,079,000 | 6,952,000 |
| Net interest income | 2,960,000 | 5,997,000 | 9,217,000 | 12,494,000 |
| Noninterest income | 550,000 | 1,211,000 | 1,887,000 | 2,529,000 |
| Noninterest expense | 2,010,000 | 4,088,000 | 6,232,000 | 8,531,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,410,000 | 2,940,000 | 4,602,000 | 6,045,000 |
| Income tax | 402,000 | 889,000 | 1,425,000 | 1,837,000 |
| Net income | 1,008,000 | 2,051,000 | 3,177,000 | 4,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,772,000 | 23,168,000 | 23,713,000 | 24,363,000 |
| Total capital | 24,317,000 | 24,806,000 | 25,326,000 | 26,015,000 |
| Risk-weighted assets | 223,867,000 | 240,911,000 | 239,498,000 | 227,766,000 |