Call reports 2005
FARMERS AND MERCHANTS BANK — 2005
What FARMERS AND 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 | 29,268,000 | 30,057,000 | 29,282,000 | 30,050,000 |
| Total loans | 12,643,000 | 13,757,000 | 13,608,000 | 12,517,000 |
| Allowance for loan losses | 476,000 | 511,000 | 415,000 | 462,000 |
| Securities available for sale | 8,958,000 | 8,982,000 | 8,592,000 | 8,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,861,000 | 22,580,000 | 23,360,000 | 24,616,000 |
| Interest-bearing deposits | 20,258,000 | 19,212,000 | 20,091,000 | 20,765,000 |
| Noninterest-bearing deposits | 3,603,000 | 3,368,000 | 3,269,000 | 3,851,000 |
| Equity capital | 3,341,000 | 3,411,000 | 3,394,000 | 3,335,000 |
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 | 371,000 | 757,000 | 1,165,000 | 1,560,000 |
| Interest expense | 97,000 | 201,000 | 329,000 | 463,000 |
| Net interest income | 274,000 | 556,000 | 836,000 | 1,097,000 |
| Noninterest income | 45,000 | 88,000 | 132,000 | 172,000 |
| Noninterest expense | 234,000 | 473,000 | 747,000 | 1,011,000 |
| Provision for loan losses | 33,000 | 64,000 | 84,000 | 103,000 |
| Pretax income | 53,000 | 108,000 | 138,000 | 157,000 |
| Income tax | 14,000 | 33,000 | 36,000 | 42,000 |
| Net income | 39,000 | 75,000 | 102,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,285,000 | 3,317,000 | 3,340,000 | 3,349,000 |
| Total capital | 3,478,000 | 3,516,000 | 3,537,000 | 3,539,000 |
| Risk-weighted assets | 15,192,000 | 15,671,000 | 15,513,000 | 14,958,000 |