Call reports 2004
FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD — 2004
What FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD 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 | 88,530,000 | 84,815,000 | 89,426,000 | 93,470,000 |
| Total loans | 61,311,000 | 61,599,000 | 67,201,000 | 68,467,000 |
| Allowance for loan losses | 936,000 | 945,000 | 887,000 | 902,000 |
| Securities available for sale | 17,015,000 | 14,849,000 | 11,594,000 | 12,808,000 |
| Securities held to maturity | 163,000 | 163,000 | 163,000 | 163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,482,000 | 70,608,000 | 74,050,000 | 78,167,000 |
| Interest-bearing deposits | 66,949,000 | 63,641,000 | 66,412,000 | 69,739,000 |
| Noninterest-bearing deposits | 7,533,000 | 6,967,000 | 7,638,000 | 8,428,000 |
| Equity capital | 6,658,000 | 6,641,000 | 6,954,000 | 7,146,000 |
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 | 1,063,000 | 2,161,000 | 3,341,000 | 4,598,000 |
| Interest expense | 353,000 | 693,000 | 1,046,000 | 1,427,000 |
| Net interest income | 710,000 | 1,468,000 | 2,295,000 | 3,171,000 |
| Noninterest income | 160,000 | 300,000 | 441,000 | 578,000 |
| Noninterest expense | 620,000 | 1,255,000 | 1,846,000 | 2,575,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 235,000 | 486,000 | 847,000 | 1,116,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 234,000 | 485,000 | 846,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,341,000 | 6,539,000 | 6,847,000 | 7,115,000 |
| Total capital | 7,178,000 | 7,367,000 | 7,727,000 | 8,014,000 |
| Risk-weighted assets | 66,888,000 | 66,104,000 | 70,404,000 | 71,894,000 |
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