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 | 23,554,000 | 24,560,000 | 25,341,000 | 24,981,000 |
| Total loans | 7,460,000 | 8,132,000 | 8,360,000 | 7,849,000 |
| Allowance for loan losses | 252,000 | 253,000 | 255,000 | 240,000 |
| Securities available for sale | 11,049,000 | 11,765,000 | 11,372,000 | 11,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,561,000 | 21,466,000 | 22,391,000 | 22,045,000 |
| Interest-bearing deposits | 17,946,000 | 18,941,000 | 19,456,000 | 18,892,000 |
| Noninterest-bearing deposits | 2,615,000 | 2,525,000 | 2,935,000 | 3,153,000 |
| Equity capital | 2,892,000 | 2,998,000 | 2,845,000 | 2,862,000 |
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 | 347,000 | 680,000 | 1,017,000 | 1,347,000 |
| Interest expense | 70,000 | 138,000 | 197,000 | 255,000 |
| Net interest income | 277,000 | 542,000 | 820,000 | 1,092,000 |
| Noninterest income | 17,000 | 40,000 | 58,000 | 76,000 |
| Noninterest expense | 167,000 | 338,000 | 508,000 | 726,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 132,000 | 249,000 | 375,000 | 457,000 |
| Income tax | 2,000 | 0 | 0 | 0 |
| Net income | 130,000 | 249,000 | 375,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,605,000 | 2,615,000 | 2,684,000 | 2,766,000 |
| Total capital | 2,735,000 | 2,753,000 | 2,827,000 | 2,904,000 |
| Risk-weighted assets | 10,305,000 | 10,958,000 | 11,344,000 | 10,900,000 |
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