Call reports 2003
FARMERS AND MERCHANTS STATE BANK — 2003
What FARMERS AND MERCHANTS STATE 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 | 42,315,000 | 41,600,000 | 45,619,000 | 42,650,000 |
| Total loans | 25,090,000 | 27,714,000 | 28,678,000 | 27,289,000 |
| Allowance for loan losses | 649,000 | 648,000 | 647,000 | 640,000 |
| Securities available for sale | 9,799,000 | 10,043,000 | 10,771,000 | 11,987,000 |
| Securities held to maturity | 1,488,000 | 1,335,000 | 1,245,000 | 1,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,780,000 | 33,842,000 | 35,940,000 | 33,616,000 |
| Interest-bearing deposits | 30,332,000 | 29,606,000 | 29,381,000 | 28,525,000 |
| Noninterest-bearing deposits | 4,448,000 | 4,236,000 | 6,559,000 | 5,091,000 |
| Equity capital | 5,624,000 | 5,849,000 | 5,961,000 | 6,154,000 |
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 | 571,000 | 1,152,000 | 1,742,000 | 2,345,000 |
| Interest expense | 199,000 | 389,000 | 565,000 | 719,000 |
| Net interest income | 372,000 | 763,000 | 1,177,000 | 1,626,000 |
| Noninterest income | 40,000 | 69,000 | 98,000 | 124,000 |
| Noninterest expense | 211,000 | 443,000 | 645,000 | 908,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 201,000 | 392,000 | 633,000 | 845,000 |
| Income tax | 14,000 | 27,000 | 63,000 | 79,000 |
| Net income | 187,000 | 365,000 | 570,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,479,000 | 5,656,000 | 5,863,000 | 6,057,000 |
| Total capital | 5,852,000 | 6,052,000 | 6,281,000 | 6,453,000 |
| Risk-weighted assets | 29,552,000 | 31,440,000 | 33,249,000 | 31,431,000 |
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