Call reports 2005
FARMERS AND MERCHANTS BANK, THE — 2005
What FARMERS AND MERCHANTS BANK, THE 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 | 62,892,000 | 59,429,000 | 60,430,000 | 59,467,000 |
| Total loans | 33,042,000 | 33,290,000 | 33,828,000 | 33,904,000 |
| Allowance for loan losses | 438,000 | 443,000 | 457,000 | 458,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,190,000 | 15,824,000 | 15,019,000 | 11,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,294,000 | 51,907,000 | 52,736,000 | 51,958,000 |
| Interest-bearing deposits | 45,697,000 | 43,214,000 | 43,649,000 | 42,389,000 |
| Noninterest-bearing deposits | 9,597,000 | 8,693,000 | 9,087,000 | 9,569,000 |
| Equity capital | 7,377,000 | 7,324,000 | 7,480,000 | 7,276,000 |
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 | 835,000 | 1,671,000 | 2,476,000 | 3,342,000 |
| Interest expense | 135,000 | 277,000 | 420,000 | 570,000 |
| Net interest income | 700,000 | 1,394,000 | 2,056,000 | 2,772,000 |
| Noninterest income | 54,000 | 107,000 | 160,000 | 213,000 |
| Noninterest expense | 483,000 | 953,000 | 1,436,000 | 1,889,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 256,000 | 518,000 | 735,000 | 1,036,000 |
| Income tax | 67,000 | 139,000 | 199,000 | 275,000 |
| Net income | 189,000 | 379,000 | 536,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,377,000 | 7,324,000 | 7,480,000 | 7,276,000 |
| Total capital | 7,780,000 | 7,725,000 | 7,883,000 | 7,676,000 |
| Risk-weighted assets | 32,195,000 | 31,962,000 | 32,220,000 | 32,000,000 |