Call reports 2004
FARMERS AND MERCHANTS STATE BANK — 2004
What FARMERS AND MERCHANTS STATE 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 | 55,470,000 | 56,907,000 | 57,129,000 | 57,572,000 |
| Total loans | 43,510,000 | 45,957,000 | 45,942,000 | 47,545,000 |
| Allowance for loan losses | 1,007,000 | 984,000 | 986,000 | 973,000 |
| Securities available for sale | 8,703,000 | 8,126,000 | 7,836,000 | 7,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,764,000 | 47,105,000 | 47,070,000 | 48,961,000 |
| Interest-bearing deposits | 42,777,000 | 41,531,000 | 41,847,000 | 41,596,000 |
| Noninterest-bearing deposits | 5,987,000 | 5,574,000 | 5,223,000 | 7,365,000 |
| Equity capital | 6,460,000 | 6,162,000 | 6,340,000 | 6,028,000 |
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 | 834,000 | 1,666,000 | 2,520,000 | 3,404,000 |
| Interest expense | 196,000 | 386,000 | 591,000 | 806,000 |
| Net interest income | 638,000 | 1,280,000 | 1,929,000 | 2,598,000 |
| Noninterest income | 84,000 | 180,000 | 272,000 | 352,000 |
| Noninterest expense | 332,000 | 673,000 | 1,024,000 | 1,300,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 192,000 |
| Pretax income | 330,000 | 698,000 | 1,038,000 | 1,489,000 |
| Income tax | 14,000 | 30,000 | 45,000 | 61,000 |
| Net income | 316,000 | 668,000 | 993,000 | 1,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,199,000 | 6,133,000 | 6,249,000 | 5,987,000 |
| Total capital | 6,765,000 | 6,723,000 | 6,831,000 | 6,591,000 |
| Risk-weighted assets | 44,819,000 | 46,819,000 | 46,162,000 | 47,945,000 |
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