Call reports 2007
FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA — 2007
What FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA 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 | 1,450,411,000 | 1,476,178,000 | 1,485,004,000 | 1,516,796,000 |
| Total loans | 1,057,646,000 | 1,084,607,000 | 1,122,182,000 | 1,140,968,000 |
| Allowance for loan losses | 18,060,000 | 17,930,000 | 17,842,000 | 18,483,000 |
| Securities available for sale | 117,876,000 | 131,174,000 | 128,456,000 | 136,122,000 |
| Securities held to maturity | 110,720,000 | 109,690,000 | 108,617,000 | 105,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,263,563,000 | 1,247,445,000 | 1,286,997,000 | 1,312,548,000 |
| Interest-bearing deposits | 894,979,000 | 879,904,000 | 897,788,000 | 907,425,000 |
| Noninterest-bearing deposits | 368,583,000 | 367,541,000 | 389,208,000 | 405,123,000 |
| Equity capital | 141,252,000 | 141,520,000 | 147,169,000 | 149,035,000 |
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 | 23,884,000 | 47,864,000 | 71,488,000 | 95,564,000 |
| Interest expense | 7,383,000 | 15,275,000 | 23,603,000 | 31,368,000 |
| Net interest income | 16,501,000 | 32,589,000 | 47,885,000 | 64,196,000 |
| Noninterest income | 3,736,000 | 8,126,000 | 13,240,000 | 17,276,000 |
| Noninterest expense | 10,724,000 | 21,377,000 | 31,419,000 | 41,032,000 |
| Provision for loan losses | 0 | 250,000 | 250,000 | 1,495,000 |
| Pretax income | 9,513,000 | 19,088,000 | 29,456,000 | 38,945,000 |
| Income tax | 3,327,000 | 6,791,000 | 10,692,000 | 14,291,000 |
| Net income | 6,186,000 | 12,297,000 | 18,764,000 | 24,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,514,000 | 143,444,000 | 147,710,000 | 148,052,000 |
| Total capital | 157,988,000 | 160,204,000 | 164,921,000 | 165,399,000 |
| Risk-weighted assets | 1,316,170,000 | 1,339,490,000 | 1,376,140,000 | 1,386,462,000 |