Call reports 2005
FARMERS AND MERCHANTS BANK OF ASHLAND — 2005
What FARMERS AND MERCHANTS BANK OF ASHLAND 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 | 49,494,000 | 50,111,000 | 52,119,000 | 54,982,000 |
| Total loans | 39,114,000 | 40,471,000 | 42,585,000 | 46,703,000 |
| Allowance for loan losses | 438,000 | 467,000 | 500,000 | 503,000 |
| Securities available for sale | 3,226,000 | 3,242,000 | 2,867,000 | 2,642,000 |
| Securities held to maturity | 1,955,000 | 1,760,000 | 1,710,000 | 1,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,526,000 | 39,781,000 | 41,278,000 | 42,082,000 |
| Interest-bearing deposits | 32,616,000 | 31,993,000 | 33,184,000 | 33,182,000 |
| Noninterest-bearing deposits | 6,910,000 | 7,787,000 | 8,094,000 | 8,900,000 |
| Equity capital | 5,615,000 | 5,751,000 | 5,796,000 | 5,909,000 |
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 | 726,000 | 1,479,000 | 2,276,000 | 3,161,000 |
| Interest expense | 156,000 | 321,000 | 502,000 | 705,000 |
| Net interest income | 570,000 | 1,158,000 | 1,774,000 | 2,456,000 |
| Noninterest income | 89,000 | 178,000 | 270,000 | 359,000 |
| Noninterest expense | 475,000 | 921,000 | 1,360,000 | 1,922,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 154,000 | 355,000 | 594,000 | 773,000 |
| Income tax | 52,000 | 120,000 | 199,000 | 251,000 |
| Net income | 102,000 | 235,000 | 395,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,605,000 | 5,738,000 | 5,794,000 | 5,920,000 |
| Total capital | 6,043,000 | 6,205,000 | 6,294,000 | 6,423,000 |
| Risk-weighted assets | 38,743,000 | 39,231,000 | 41,249,000 | 44,457,000 |