Call reports 2005
FARMERS AND MERCHANTS BANK OF CRAIG COUNTY, THE — 2005
What FARMERS AND MERCHANTS BANK OF CRAIG COUNTY, 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 | 44,800,000 | 45,929,000 | 44,532,000 | 44,930,000 |
| Total loans | 26,706,000 | 27,615,000 | 29,095,000 | 29,611,000 |
| Allowance for loan losses | 330,000 | 341,000 | 359,000 | 365,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,168,000 | 8,222,000 | 8,192,000 | 8,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,677,000 | 39,737,000 | 38,176,000 | 38,435,000 |
| Interest-bearing deposits | 34,195,000 | 35,569,000 | 33,797,000 | 33,989,000 |
| Noninterest-bearing deposits | 4,482,000 | 4,168,000 | 4,379,000 | 4,446,000 |
| Equity capital | 5,922,000 | 6,054,000 | 6,189,000 | 6,362,000 |
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 | 612,000 | 1,260,000 | 1,949,000 | 2,641,000 |
| Interest expense | 169,000 | 352,000 | 545,000 | 737,000 |
| Net interest income | 443,000 | 908,000 | 1,404,000 | 1,904,000 |
| Noninterest income | 14,000 | 26,000 | 36,000 | 44,000 |
| Noninterest expense | 262,000 | 505,000 | 795,000 | 1,123,000 |
| Provision for loan losses | -8,000 | 27,000 | 40,000 | 54,000 |
| Pretax income | 203,000 | 402,000 | 605,000 | 771,000 |
| Income tax | 68,000 | 135,000 | 204,000 | 197,000 |
| Net income | 135,000 | 267,000 | 401,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,922,000 | 6,054,000 | 6,189,000 | 6,362,000 |
| Total capital | 6,199,000 | 6,339,000 | 6,486,000 | 6,663,000 |
| Risk-weighted assets | 22,085,000 | 22,784,000 | 23,672,000 | 24,036,000 |