Call reports 2004
FARMERS & MERCHANTS SAVINGS BANK — 2004
What FARMERS & MERCHANTS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 73,877,000 | 78,115,000 | 77,368,000 | 77,716,000 |
| Total loans | 56,832,000 | 57,772,000 | 60,897,000 | 58,772,000 |
| Allowance for loan losses | 919,000 | 913,000 | 947,000 | 970,000 |
| Securities available for sale | 11,593,000 | 11,950,000 | 10,972,000 | 9,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,933,000 | 62,902,000 | 61,039,000 | 63,127,000 |
| Interest-bearing deposits | 51,698,000 | 54,767,000 | 54,570,000 | 55,831,000 |
| Noninterest-bearing deposits | 7,235,000 | 8,135,000 | 6,469,000 | 7,296,000 |
| Equity capital | 7,305,000 | 7,486,000 | 7,943,000 | 6,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,099,000 | 2,270,000 | 3,424,000 | 4,585,000 |
| Interest expense | 332,000 | 674,000 | 1,020,000 | 1,374,000 |
| Net interest income | 767,000 | 1,596,000 | 2,404,000 | 3,211,000 |
| Noninterest income | 120,000 | 215,000 | 322,000 | 452,000 |
| Noninterest expense | 506,000 | 1,031,000 | 1,512,000 | 2,133,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 357,000 | 734,000 | 1,144,000 | 1,436,000 |
| Income tax | 19,000 | 37,000 | 57,000 | 73,000 |
| Net income | 338,000 | 697,000 | 1,087,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,189,000 | 7,548,000 | 7,939,000 | 7,015,000 |
| Total capital | 7,854,000 | 8,233,000 | 8,627,000 | 7,697,000 |
| Risk-weighted assets | 52,967,000 | 54,592,000 | 54,815,000 | 54,279,000 |
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