Call reports 2004
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2004
What MERCHANTS & FARMERS BANK & TRUST COMPANY 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 | 151,035,000 | 155,566,000 | 157,045,000 | 157,515,000 |
| Total loans | 63,473,000 | 65,597,000 | 66,760,000 | 67,834,000 |
| Allowance for loan losses | 640,000 | 634,000 | 597,000 | 618,000 |
| Securities available for sale | 74,642,000 | 78,292,000 | 80,489,000 | 78,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,659,000 | 119,850,000 | 115,748,000 | 121,601,000 |
| Interest-bearing deposits | 84,843,000 | 86,307,000 | 81,987,000 | 85,639,000 |
| Noninterest-bearing deposits | 32,816,000 | 33,543,000 | 33,761,000 | 35,962,000 |
| Equity capital | 23,696,000 | 21,621,000 | 24,114,000 | 24,137,000 |
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 | 1,836,000 | 3,742,000 | 5,726,000 | 7,688,000 |
| Interest expense | 310,000 | 631,000 | 971,000 | 1,303,000 |
| Net interest income | 1,526,000 | 3,111,000 | 4,755,000 | 6,385,000 |
| Noninterest income | 569,000 | 1,174,000 | 1,755,000 | 2,326,000 |
| Noninterest expense | 1,454,000 | 3,034,000 | 4,511,000 | 6,057,000 |
| Provision for loan losses | 20,000 | 40,000 | 85,000 | 125,000 |
| Pretax income | 735,000 | 1,324,000 | 2,041,000 | 2,656,000 |
| Income tax | 168,000 | 289,000 | 459,000 | 571,000 |
| Net income | 567,000 | 1,035,000 | 1,582,000 | 2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,304,000 | 23,604,000 | 24,152,000 | 24,488,000 |
| Total capital | 23,944,000 | 24,238,000 | 24,749,000 | 25,106,000 |
| Risk-weighted assets | 73,614,000 | 78,919,000 | 78,267,000 | 78,160,000 |
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