Call reports 2004
FARMERS AND MERCHANTS BANK OF HILL CITY — 2004
What FARMERS AND MERCHANTS BANK OF HILL CITY 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 | 34,851,000 | 33,493,000 | 33,696,000 | 34,696,000 |
| Total loans | 29,134,000 | 30,186,000 | 29,217,000 | 29,624,000 |
| Allowance for loan losses | 480,000 | 490,000 | 552,000 | 457,000 |
| Securities available for sale | 2,000 | 214,000 | 2,000 | 3,000 |
| Securities held to maturity | 0 | 0 | 212,000 | 211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,288,000 | 28,991,000 | 30,218,000 | 31,349,000 |
| Interest-bearing deposits | 26,833,000 | 25,732,000 | 26,484,000 | 27,002,000 |
| Noninterest-bearing deposits | 3,455,000 | 3,259,000 | 3,734,000 | 4,347,000 |
| Equity capital | 3,484,000 | 3,446,000 | 3,409,000 | 3,286,000 |
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 | 471,000 | 958,000 | 1,413,000 | 1,900,000 |
| Interest expense | 102,000 | 201,000 | 303,000 | 407,000 |
| Net interest income | 369,000 | 757,000 | 1,110,000 | 1,493,000 |
| Noninterest income | 35,000 | 81,000 | 125,000 | 164,000 |
| Noninterest expense | 227,000 | 458,000 | 706,000 | 1,059,000 |
| Provision for loan losses | 9,000 | 18,000 | 98,000 | 287,000 |
| Pretax income | 168,000 | 362,000 | 431,000 | 311,000 |
| Income tax | 9,000 | 11,000 | 17,000 | 20,000 |
| Net income | 159,000 | 351,000 | 414,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,318,000 | 3,285,000 | 3,253,000 | 3,133,000 |
| Total capital | 3,694,000 | 3,669,000 | 3,631,000 | 3,527,000 |
| Risk-weighted assets | 29,954,000 | 30,638,000 | 30,031,000 | 31,459,000 |
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