Call reports 2015
FARMERS AND MERCHANTS BANK — 2015
What FARMERS AND MERCHANTS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 34,988,000 | 33,856,000 | 33,772,000 | 35,496,000 |
| Total loans | 16,479,000 | 15,950,000 | 15,803,000 | 16,716,000 |
| Allowance for loan losses | 471,000 | 434,000 | 437,000 | 433,000 |
| Securities available for sale | 7,232,000 | 7,658,000 | 8,083,000 | 7,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,972,000 | 28,918,000 | 28,918,000 | 30,645,000 |
| Interest-bearing deposits | 22,394,000 | 22,072,000 | 22,196,000 | 22,862,000 |
| Noninterest-bearing deposits | 7,578,000 | 6,846,000 | 6,722,000 | 7,783,000 |
| Equity capital | 4,100,000 | 4,041,000 | 4,149,000 | 4,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 350,000 | 714,000 | 1,071,000 | 1,452,000 |
| Interest expense | 32,000 | 64,000 | 93,000 | 119,000 |
| Net interest income | 318,000 | 650,000 | 978,000 | 1,333,000 |
| Noninterest income | 32,000 | 50,000 | 99,000 | 130,000 |
| Noninterest expense | 310,000 | 597,000 | 885,000 | 1,138,000 |
| Provision for loan losses | 23,000 | 36,000 | 48,000 | 55,000 |
| Pretax income | 17,000 | 67,000 | 144,000 | 271,000 |
| Income tax | 1,000 | 18,000 | 42,000 | 89,000 |
| Net income | 16,000 | 49,000 | 102,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,875,000 | 3,992,000 | 4,045,000 | 4,126,000 |
| Total capital | 4,097,000 | 4,195,000 | 4,247,000 | 4,337,000 |
| Risk-weighted assets | 17,508,000 | 15,991,000 | 15,929,000 | 16,604,000 |