Call reports 2001
FARMERS AND MERCHANTS BANK OF ASHLAND — 2001
What FARMERS AND MERCHANTS BANK OF ASHLAND reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 37,752,000 | 38,155,000 | 37,883,000 | 39,013,000 |
| Total loans | 27,102,000 | 27,285,000 | 28,365,000 | 28,043,000 |
| Allowance for loan losses | 249,000 | 245,000 | 247,000 | 231,000 |
| Securities available for sale | 4,528,000 | 4,382,000 | 4,638,000 | 4,566,000 |
| Securities held to maturity | 3,020,000 | 2,585,000 | 2,460,000 | 2,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,449,000 | 32,642,000 | 32,283,000 | 33,354,000 |
| Interest-bearing deposits | 26,849,000 | 26,898,000 | 26,510,000 | 26,890,000 |
| Noninterest-bearing deposits | 4,600,000 | 5,744,000 | 5,773,000 | 6,464,000 |
| Equity capital | 4,899,000 | 5,023,000 | 5,072,000 | 5,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 752,000 | 1,501,000 | 2,220,000 | 2,918,000 |
| Interest expense | 313,000 | 580,000 | 837,000 | 1,047,000 |
| Net interest income | 439,000 | 921,000 | 1,383,000 | 1,871,000 |
| Noninterest income | 72,000 | 139,000 | 217,000 | 303,000 |
| Noninterest expense | 371,000 | 736,000 | 1,091,000 | 1,512,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 137,000 | 318,000 | 500,000 | 650,000 |
| Income tax | 33,000 | 89,000 | 140,000 | 184,000 |
| Net income | 104,000 | 229,000 | 360,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,811,000 | 4,935,000 | 4,962,000 | 5,067,000 |
| Total capital | 5,060,000 | 5,180,000 | 5,209,000 | 5,298,000 |
| Risk-weighted assets | 27,571,000 | 27,523,000 | 28,312,000 | 28,595,000 |