Call reports 2005
FARMERS & MERCHANTS BANK, THE — 2005
What FARMERS & MERCHANTS BANK, THE 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 | 110,396,000 | 121,331,000 | 124,616,000 | 134,815,000 |
| Total loans | 83,042,000 | 89,745,000 | 96,612,000 | 101,488,000 |
| Allowance for loan losses | 1,217,000 | 1,236,000 | 1,339,000 | 1,313,000 |
| Securities available for sale | 34,000 | 34,000 | 2,101,000 | 2,044,000 |
| Securities held to maturity | 21,011,000 | 21,228,000 | 19,326,000 | 19,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,974,000 | 99,105,000 | 99,627,000 | 108,777,000 |
| Interest-bearing deposits | 85,895,000 | 90,878,000 | 91,319,000 | 99,510,000 |
| Noninterest-bearing deposits | 7,079,000 | 8,227,000 | 8,308,000 | 9,268,000 |
| Equity capital | 12,817,000 | 13,350,000 | 13,842,000 | 13,348,000 |
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 | 1,657,000 | 3,527,000 | 5,531,000 | 7,677,000 |
| Interest expense | 455,000 | 994,000 | 1,692,000 | 2,525,000 |
| Net interest income | 1,202,000 | 2,533,000 | 3,839,000 | 5,152,000 |
| Noninterest income | 244,000 | 399,000 | 563,000 | 716,000 |
| Noninterest expense | 478,000 | 1,030,000 | 1,571,000 | 3,527,000 |
| Provision for loan losses | 1,000 | 70,000 | 182,000 | 183,000 |
| Pretax income | 967,000 | 1,832,000 | 2,649,000 | 2,158,000 |
| Income tax | 373,000 | 705,000 | 1,017,000 | 808,000 |
| Net income | 594,000 | 1,127,000 | 1,632,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,817,000 | 13,350,000 | 13,855,000 | 13,416,000 |
| Total capital | 13,662,000 | 14,274,000 | 14,824,000 | 14,487,000 |
| Risk-weighted assets | 67,189,000 | 73,612,000 | 77,143,000 | 85,421,000 |