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 | 15,812,000 | 15,908,000 | 15,559,000 | 16,171,000 |
| Total loans | 11,342,000 | 11,462,000 | 11,543,000 | 11,444,000 |
| Allowance for loan losses | 174,000 | 186,000 | 194,000 | 186,000 |
| Securities available for sale | 3,068,000 | 2,675,000 | 2,674,000 | 2,673,000 |
| Securities held to maturity | 95,000 | 88,000 | 77,000 | 71,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,759,000 | 13,903,000 | 13,524,000 | 14,120,000 |
| Interest-bearing deposits | 12,211,000 | 12,207,000 | 12,383,000 | 12,406,000 |
| Noninterest-bearing deposits | 1,548,000 | 1,696,000 | 1,141,000 | 1,714,000 |
| Equity capital | 1,399,000 | 1,433,000 | 1,464,000 | 1,431,000 |
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 | 235,000 | 469,000 | 725,000 | 980,000 |
| Interest expense | 79,000 | 161,000 | 256,000 | 357,000 |
| Net interest income | 156,000 | 308,000 | 469,000 | 623,000 |
| Noninterest income | 31,000 | 66,000 | 97,000 | 133,000 |
| Noninterest expense | 129,000 | 282,000 | 422,000 | 610,000 |
| Provision for loan losses | 5,000 | 18,000 | 34,000 | 39,000 |
| Pretax income | 53,000 | 74,000 | 107,000 | 104,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 52,000 | 73,000 | 106,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,436,000 | 1,459,000 | 1,491,000 | 1,458,000 |
| Total capital | 1,578,000 | 1,599,000 | 1,640,000 | 1,605,000 |
| Risk-weighted assets | 11,032,000 | 11,185,000 | 11,889,000 | 11,780,000 |