Call reports 2007
FARMERS AND MERCHANTS BANK — 2007
What FARMERS AND MERCHANTS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 16,553,000 | 16,692,000 | 16,641,000 | 17,505,000 |
| Total loans | 12,201,000 | 12,497,000 | 12,711,000 | 12,556,000 |
| Allowance for loan losses | 169,000 | 131,000 | 134,000 | 136,000 |
| Securities available for sale | 2,426,000 | 2,411,000 | 2,485,000 | 2,548,000 |
| Securities held to maturity | 45,000 | 42,000 | 33,000 | 181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,472,000 | 14,605,000 | 14,519,000 | 15,341,000 |
| Interest-bearing deposits | 13,054,000 | 12,689,000 | 12,596,000 | 12,587,000 |
| Noninterest-bearing deposits | 1,418,000 | 1,916,000 | 1,923,000 | 2,754,000 |
| Equity capital | 1,491,000 | 1,472,000 | 1,523,000 | 1,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 288,000 | 633,000 | 926,000 | 1,243,000 |
| Interest expense | 131,000 | 267,000 | 403,000 | 536,000 |
| Net interest income | 157,000 | 366,000 | 523,000 | 707,000 |
| Noninterest income | 30,000 | 70,000 | 103,000 | 131,000 |
| Noninterest expense | 158,000 | 331,000 | 493,000 | 698,000 |
| Provision for loan losses | 41,000 | 121,000 | 121,000 | 121,000 |
| Pretax income | -12,000 | -16,000 | 12,000 | 19,000 |
| Income tax | 0 | 0 | 2,000 | 2,000 |
| Net income | -12,000 | -16,000 | 10,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,497,000 | 1,494,000 | 1,519,000 | 1,526,000 |
| Total capital | 1,654,000 | 1,625,000 | 1,653,000 | 1,662,000 |
| Risk-weighted assets | 11,935,000 | 12,032,000 | 12,166,000 | 12,156,000 |