Call reports 2005
FARMERS-MERCHANTS BANK & TRUST COMPANY — 2005
What FARMERS-MERCHANTS BANK & TRUST COMPANY 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 | 189,914,000 | 185,984,000 | 191,225,000 | 190,040,000 |
| Total loans | 100,662,000 | 111,753,000 | 119,271,000 | 121,661,000 |
| Allowance for loan losses | 1,727,000 | 1,765,000 | 1,883,000 | 2,150,000 |
| Securities available for sale | 78,606,000 | 65,394,000 | 59,685,000 | 57,141,000 |
| Securities held to maturity | 1,120,000 | 595,000 | 495,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,840,000 | 162,924,000 | 164,476,000 | 164,015,000 |
| Interest-bearing deposits | 138,404,000 | 133,007,000 | 126,659,000 | 131,869,000 |
| Noninterest-bearing deposits | 27,436,000 | 29,917,000 | 37,817,000 | 32,146,000 |
| Equity capital | 19,212,000 | 19,752,000 | 19,527,000 | 17,964,000 |
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 | 2,927,000 | 5,901,000 | 8,892,000 | 11,919,000 |
| Interest expense | 592,000 | 1,270,000 | 1,985,000 | 2,724,000 |
| Net interest income | 2,335,000 | 4,631,000 | 6,907,000 | 9,195,000 |
| Noninterest income | 428,000 | 897,000 | 1,345,000 | 1,756,000 |
| Noninterest expense | 1,170,000 | 2,377,000 | 3,605,000 | 4,948,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 700,000 |
| Pretax income | 1,492,000 | 2,889,000 | 4,235,000 | 5,291,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,527,000 | 2,924,000 | 4,270,000 | 5,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,278,000 | 19,828,000 | 20,240,000 | 19,202,000 |
| Total capital | 21,656,000 | 21,342,000 | 21,826,000 | 20,813,000 |
| Risk-weighted assets | 109,884,000 | 120,900,000 | 126,585,000 | 128,352,000 |