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 | 149,716,000 | 148,367,000 | 151,822,000 | 159,571,000 |
| Total loans | 99,580,000 | 101,570,000 | 105,142,000 | 108,657,000 |
| Allowance for loan losses | 1,544,000 | 1,564,000 | 1,542,000 | 1,557,000 |
| Securities available for sale | 31,447,000 | 40,704,000 | 39,753,000 | 37,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,666,000 | 126,402,000 | 128,902,000 | 136,506,000 |
| Interest-bearing deposits | 112,586,000 | 111,537,000 | 113,369,000 | 120,785,000 |
| Noninterest-bearing deposits | 15,080,000 | 14,865,000 | 15,533,000 | 15,721,000 |
| Equity capital | 13,019,000 | 12,788,000 | 13,904,000 | 14,260,000 |
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 | 2,001,000 | 4,115,000 | 6,336,000 | 8,635,000 |
| Interest expense | 633,000 | 1,222,000 | 1,860,000 | 2,579,000 |
| Net interest income | 1,368,000 | 2,893,000 | 4,476,000 | 6,056,000 |
| Noninterest income | 178,000 | 326,000 | 488,000 | 640,000 |
| Noninterest expense | 759,000 | 1,701,000 | 2,529,000 | 3,652,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 762,000 | 1,495,000 | 2,411,000 | 3,053,000 |
| Income tax | 180,000 | 369,000 | 635,000 | 796,000 |
| Net income | 582,000 | 1,126,000 | 1,776,000 | 2,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,067,000 | 12,603,000 | 13,253,000 | 13,734,000 |
| Total capital | 13,437,000 | 13,991,000 | 14,659,000 | 15,211,000 |
| Risk-weighted assets | 109,457,000 | 110,988,000 | 112,344,000 | 118,103,000 |
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