Call reports 2005
FARMERS & MERCHANTS BANK, THE — 2005
What FARMERS & 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 | 293,871,000 | 312,415,000 | 318,708,000 | 303,228,000 |
| Total loans | 183,308,000 | 204,460,000 | 206,644,000 | 193,522,000 |
| Allowance for loan losses | 3,570,000 | 3,599,000 | 3,386,000 | 3,420,000 |
| Securities available for sale | 76,993,000 | 76,618,000 | 75,175,000 | 71,532,000 |
| Securities held to maturity | 5,270,000 | 5,132,000 | 4,724,000 | 4,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,726,000 | 225,157,000 | 230,876,000 | 235,136,000 |
| Interest-bearing deposits | 212,705,000 | 205,810,000 | 211,050,000 | 215,174,000 |
| Noninterest-bearing deposits | 19,021,000 | 19,347,000 | 19,826,000 | 19,962,000 |
| Equity capital | 38,233,000 | 40,258,000 | 40,882,000 | 41,918,000 |
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 | 3,900,000 | 8,106,000 | 12,698,000 | 17,259,000 |
| Interest expense | 1,170,000 | 2,557,000 | 4,264,000 | 5,905,000 |
| Net interest income | 2,730,000 | 5,549,000 | 8,434,000 | 11,354,000 |
| Noninterest income | 602,000 | 1,234,000 | 1,903,000 | 2,586,000 |
| Noninterest expense | 1,546,000 | 3,278,000 | 4,969,000 | 6,677,000 |
| Provision for loan losses | 268,000 | 328,000 | 388,000 | 448,000 |
| Pretax income | 1,519,000 | 3,179,000 | 4,982,000 | 6,668,000 |
| Income tax | 476,000 | 885,000 | 1,586,000 | 1,960,000 |
| Net income | 1,043,000 | 2,294,000 | 3,396,000 | 4,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,026,000 | 37,276,000 | 38,378,000 | 39,613,000 |
| Total capital | 38,479,000 | 39,729,000 | 41,083,000 | 42,215,000 |
| Risk-weighted assets | 196,169,000 | 216,218,000 | 220,459,000 | 208,008,000 |