Call reports 2006
FARMERS AND MERCHANTS BANK — 2006
What FARMERS AND MERCHANTS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 16,420,000 | 16,213,000 | 15,828,000 | 16,826,000 |
| Total loans | 11,600,000 | 12,374,000 | 12,275,000 | 12,175,000 |
| Allowance for loan losses | 184,000 | 192,000 | 188,000 | 199,000 |
| Securities available for sale | 3,143,000 | 2,534,000 | 2,164,000 | 2,419,000 |
| Securities held to maturity | 67,000 | 62,000 | 52,000 | 49,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,383,000 | 13,926,000 | 13,483,000 | 14,714,000 |
| Interest-bearing deposits | 12,960,000 | 12,527,000 | 12,206,000 | 12,937,000 |
| Noninterest-bearing deposits | 1,422,000 | 1,399,000 | 1,277,000 | 1,777,000 |
| Equity capital | 1,460,000 | 1,486,000 | 1,563,000 | 1,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 263,000 | 544,000 | 842,000 | 1,126,000 |
| Interest expense | 104,000 | 224,000 | 341,000 | 473,000 |
| Net interest income | 159,000 | 320,000 | 501,000 | 653,000 |
| Noninterest income | 34,000 | 74,000 | 110,000 | 143,000 |
| Noninterest expense | 145,000 | 288,000 | 437,000 | 648,000 |
| Provision for loan losses | 11,000 | 19,000 | 39,000 | 50,000 |
| Pretax income | 37,000 | 87,000 | 136,000 | 98,000 |
| Income tax | 1,000 | 0 | 0 | 0 |
| Net income | 36,000 | 87,000 | 136,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,493,000 | 1,529,000 | 1,577,000 | 1,510,000 |
| Total capital | 1,652,000 | 1,694,000 | 1,742,000 | 1,676,000 |
| Risk-weighted assets | 12,698,000 | 13,155,000 | 13,224,000 | 13,262,000 |