Call reports 2008
FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA — 2008
What FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,565,470,000 | 1,606,507,000 | 1,649,813,000 | 1,684,857,000 |
| Total loans | 1,111,284,000 | 1,121,864,000 | 1,161,505,000 | 1,177,363,000 |
| Allowance for loan losses | 19,032,000 | 18,682,000 | 18,487,000 | 20,034,000 |
| Securities available for sale | 221,408,000 | 198,828,000 | 205,839,000 | 286,407,000 |
| Securities held to maturity | 104,419,000 | 106,418,000 | 105,413,000 | 71,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,296,271,000 | 1,365,583,000 | 1,401,566,000 | 1,433,538,000 |
| Interest-bearing deposits | 925,845,000 | 998,972,000 | 1,020,285,000 | 1,002,371,000 |
| Noninterest-bearing deposits | 370,425,000 | 366,611,000 | 381,281,000 | 431,168,000 |
| Equity capital | 153,871,000 | 151,913,000 | 159,420,000 | 166,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 23,728,000 | 46,380,000 | 69,630,000 | 93,060,000 |
| Interest expense | 6,977,000 | 12,866,000 | 18,770,000 | 24,159,000 |
| Net interest income | 16,751,000 | 33,514,000 | 50,860,000 | 68,901,000 |
| Noninterest income | 3,157,000 | 10,367,000 | 12,330,000 | 12,552,000 |
| Noninterest expense | 9,433,000 | 20,030,000 | 28,533,000 | 36,871,000 |
| Provision for loan losses | 570,000 | 4,605,000 | 5,370,000 | 7,998,000 |
| Pretax income | 9,981,000 | 19,997,000 | 30,038,000 | 38,302,000 |
| Income tax | 3,782,000 | 7,586,000 | 11,351,000 | 14,402,000 |
| Net income | 6,199,000 | 12,411,000 | 18,687,000 | 23,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 151,251,000 | 152,462,000 | 158,738,000 | 161,052,000 |
| Total capital | 168,545,000 | 169,656,000 | 176,428,000 | 178,814,000 |
| Risk-weighted assets | 1,381,696,000 | 1,373,925,000 | 1,414,221,000 | 1,418,562,000 |