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 | 115,680,000 | 112,613,000 | 115,149,000 | 115,000,000 |
| Total loans | 48,902,000 | 50,818,000 | 51,371,000 | 51,892,000 |
| Allowance for loan losses | 656,000 | 667,000 | 681,000 | 664,000 |
| Securities available for sale | 61,032,000 | 57,913,000 | 58,587,000 | 57,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,518,000 | 95,458,000 | 95,660,000 | 103,058,000 |
| Interest-bearing deposits | 80,995,000 | 82,577,000 | 83,208,000 | 89,426,000 |
| Noninterest-bearing deposits | 12,523,000 | 12,881,000 | 12,452,000 | 13,632,000 |
| Equity capital | 11,506,000 | 12,134,000 | 12,186,000 | 11,430,000 |
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 | 1,382,000 | 2,854,000 | 4,320,000 | 5,835,000 |
| Interest expense | 552,000 | 1,189,000 | 1,875,000 | 2,586,000 |
| Net interest income | 830,000 | 1,665,000 | 2,445,000 | 3,249,000 |
| Noninterest income | 90,000 | 199,000 | 346,000 | 484,000 |
| Noninterest expense | 566,000 | 1,187,000 | 1,770,000 | 2,453,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 317,000 | 653,000 | 953,000 | 1,175,000 |
| Income tax | 93,000 | 177,000 | 284,000 | 296,000 |
| Net income | 224,000 | 476,000 | 669,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,564,000 | 12,816,000 | 13,009,000 | 12,769,000 |
| Total capital | 13,220,000 | 13,483,000 | 13,690,000 | 13,433,000 |
| Risk-weighted assets | 62,286,000 | 62,457,000 | 64,092,000 | 65,156,000 |