Call reports 2004
FARMERS AND MERCHANTS BANK — 2004
What FARMERS AND 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 | 138,642,000 | 148,294,000 | 144,207,000 | 152,027,000 |
| Total loans | 90,622,000 | 92,584,000 | 96,270,000 | 105,530,000 |
| Allowance for loan losses | 880,000 | 908,000 | 931,000 | 961,000 |
| Securities available for sale | 13,808,000 | 12,818,000 | 12,214,000 | 11,562,000 |
| Securities held to maturity | 19,842,000 | 18,933,000 | 17,427,000 | 15,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,581,000 | 126,223,000 | 121,237,000 | 126,101,000 |
| Interest-bearing deposits | 98,055,000 | 103,943,000 | 101,528,000 | 101,496,000 |
| Noninterest-bearing deposits | 17,526,000 | 22,280,000 | 19,709,000 | 24,605,000 |
| Equity capital | 15,651,000 | 15,554,000 | 15,957,000 | 16,091,000 |
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 | 1,741,000 | 3,518,000 | 5,348,000 | 7,252,000 |
| Interest expense | 485,000 | 955,000 | 1,418,000 | 1,875,000 |
| Net interest income | 1,256,000 | 2,563,000 | 3,930,000 | 5,377,000 |
| Noninterest income | 244,000 | 538,000 | 812,000 | 1,099,000 |
| Noninterest expense | 1,111,000 | 2,296,000 | 3,441,000 | 4,667,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 359,000 | 744,000 | 1,210,000 | 1,686,000 |
| Income tax | 103,000 | 211,000 | 352,000 | 493,000 |
| Net income | 256,000 | 533,000 | 858,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,328,000 | 15,430,000 | 15,754,000 | 15,937,000 |
| Total capital | 16,208,000 | 16,338,000 | 16,685,000 | 16,898,000 |
| Risk-weighted assets | 98,711,000 | 102,261,000 | 105,163,000 | 108,089,000 |
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