Call reports 2003
FARMERS & MERCHANTS SAVINGS BANK — 2003
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 77,737,000 | 81,364,000 | 74,407,000 | 73,713,000 |
| Total loans | 53,365,000 | 53,111,000 | 55,684,000 | 55,685,000 |
| Allowance for loan losses | 824,000 | 906,000 | 946,000 | 874,000 |
| Securities available for sale | 12,407,000 | 13,008,000 | 11,346,000 | 11,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,463,000 | 64,843,000 | 57,654,000 | 59,174,000 |
| Interest-bearing deposits | 55,014,000 | 58,755,000 | 51,472,000 | 51,661,000 |
| Noninterest-bearing deposits | 6,449,000 | 6,088,000 | 6,182,000 | 7,513,000 |
| Equity capital | 6,990,000 | 7,233,000 | 7,506,000 | 6,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,169,000 | 2,335,000 | 3,471,000 | 4,645,000 |
| Interest expense | 464,000 | 896,000 | 1,291,000 | 1,643,000 |
| Net interest income | 705,000 | 1,439,000 | 2,180,000 | 3,002,000 |
| Noninterest income | 109,000 | 211,000 | 338,000 | 453,000 |
| Noninterest expense | 452,000 | 929,000 | 1,417,000 | 2,019,000 |
| Provision for loan losses | 30,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 333,000 | 602,000 | 982,000 | 1,317,000 |
| Income tax | 19,000 | 31,000 | 49,000 | 64,000 |
| Net income | 314,000 | 571,000 | 933,000 | 1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,762,000 | 7,019,000 | 7,382,000 | 6,851,000 |
| Total capital | 7,452,000 | 7,669,000 | 8,033,000 | 7,513,000 |
| Risk-weighted assets | 55,073,000 | 51,779,000 | 51,899,000 | 52,751,000 |
Machine access — free, no API key
Every figure shown here about FARMERS & MERCHANTS SAVINGS BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.