Call reports 2006
FARMERS AND MERCHANTS BANK OF ASHLAND — 2006
What FARMERS AND MERCHANTS BANK OF ASHLAND 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 | 57,725,000 | 58,240,000 | 59,237,000 | 60,436,000 |
| Total loans | 46,381,000 | 47,235,000 | 48,085,000 | 48,497,000 |
| Allowance for loan losses | 545,000 | 583,000 | 602,000 | 625,000 |
| Securities available for sale | 5,153,000 | 4,684,000 | 4,616,000 | 5,510,000 |
| Securities held to maturity | 1,585,000 | 1,500,000 | 1,435,000 | 1,130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,413,000 | 46,395,000 | 47,382,000 | 46,054,000 |
| Interest-bearing deposits | 37,312,000 | 38,671,000 | 39,378,000 | 38,736,000 |
| Noninterest-bearing deposits | 8,101,000 | 7,724,000 | 8,004,000 | 7,318,000 |
| Equity capital | 5,934,000 | 6,054,000 | 6,113,000 | 6,178,000 |
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 | 902,000 | 1,851,000 | 2,825,000 | 3,840,000 |
| Interest expense | 268,000 | 583,000 | 942,000 | 1,320,000 |
| Net interest income | 634,000 | 1,268,000 | 1,883,000 | 2,520,000 |
| Noninterest income | 89,000 | 177,000 | 266,000 | 342,000 |
| Noninterest expense | 462,000 | 953,000 | 1,406,000 | 1,984,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 231,000 | 432,000 | 653,000 | 758,000 |
| Income tax | 74,000 | 143,000 | 216,000 | 260,000 |
| Net income | 157,000 | 289,000 | 437,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,957,000 | 6,089,000 | 6,132,000 | 6,192,000 |
| Total capital | 6,502,000 | 6,656,000 | 6,713,000 | 6,775,000 |
| Risk-weighted assets | 44,625,000 | 45,328,000 | 46,494,000 | 46,560,000 |