Call reports 2004
FARMERS & MERCHANTS BANK — 2004
What FARMERS & MERCHANTS 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 | 75,506,000 | 75,351,000 | 75,538,000 | 75,482,000 |
| Total loans | 38,147,000 | 39,909,000 | 40,480,000 | 41,983,000 |
| Allowance for loan losses | 582,000 | 592,000 | 595,000 | 610,000 |
| Securities available for sale | 25,587,000 | 25,185,000 | 24,017,000 | 24,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,000,000 | 68,436,000 | 68,192,000 | 68,187,000 |
| Interest-bearing deposits | 56,403,000 | 56,647,000 | 56,476,000 | 56,879,000 |
| Noninterest-bearing deposits | 11,597,000 | 11,789,000 | 11,716,000 | 11,308,000 |
| Equity capital | 7,126,000 | 6,618,000 | 6,988,000 | 6,989,000 |
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 | 801,000 | 1,610,000 | 2,467,000 | 3,333,000 |
| Interest expense | 216,000 | 436,000 | 654,000 | 875,000 |
| Net interest income | 585,000 | 1,174,000 | 1,813,000 | 2,458,000 |
| Noninterest income | 115,000 | 252,000 | 394,000 | 514,000 |
| Noninterest expense | 587,000 | 1,187,000 | 1,804,000 | 2,402,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 129,000 | 235,000 | 381,000 | 526,000 |
| Income tax | 5,000 | 32,000 | 48,000 | 41,000 |
| Net income | 124,000 | 203,000 | 333,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,599,000 | 6,627,000 | 6,758,000 | 6,860,000 |
| Total capital | 7,083,000 | 7,128,000 | 7,263,000 | 7,380,000 |
| Risk-weighted assets | 38,630,000 | 39,954,000 | 40,327,000 | 41,540,000 |
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