Call reports 2004
FARMERS AND MERCHANTS STATE BANK — 2004
What FARMERS AND MERCHANTS STATE 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 | 41,602,000 | 42,377,000 | 43,335,000 | 44,558,000 |
| Total loans | 25,349,000 | 27,117,000 | 27,761,000 | 28,047,000 |
| Allowance for loan losses | 642,000 | 629,000 | 622,000 | 622,000 |
| Securities available for sale | 13,091,000 | 12,980,000 | 12,691,000 | 11,939,000 |
| Securities held to maturity | 1,152,000 | 983,000 | 1,328,000 | 1,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,836,000 | 33,544,000 | 32,400,000 | 34,308,000 |
| Interest-bearing deposits | 29,591,000 | 29,176,000 | 27,425,000 | 29,186,000 |
| Noninterest-bearing deposits | 4,245,000 | 4,368,000 | 4,975,000 | 5,122,000 |
| Equity capital | 5,926,000 | 6,001,000 | 6,280,000 | 6,401,000 |
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 | 552,000 | 1,100,000 | 1,669,000 | 2,245,000 |
| Interest expense | 144,000 | 291,000 | 448,000 | 616,000 |
| Net interest income | 408,000 | 809,000 | 1,221,000 | 1,629,000 |
| Noninterest income | 37,000 | 69,000 | 109,000 | 149,000 |
| Noninterest expense | 224,000 | 441,000 | 666,000 | 926,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 437,000 | 667,000 | 855,000 |
| Income tax | 16,000 | 31,000 | 47,000 | 60,000 |
| Net income | 205,000 | 406,000 | 620,000 | 795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,802,000 | 6,003,000 | 6,217,000 | 6,392,000 |
| Total capital | 6,174,000 | 6,395,000 | 6,633,000 | 6,809,000 |
| Risk-weighted assets | 29,519,000 | 31,094,000 | 33,096,000 | 33,125,000 |
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