Call reports 2003
FARMERS & MERCHANTS STATE BANK, THE — 2003
What FARMERS & MERCHANTS STATE BANK, THE 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 | 713,290,000 | 724,020,000 | 710,993,000 | 704,088,000 |
| Total loans | 500,845,000 | 500,847,000 | 499,242,000 | 487,772,000 |
| Allowance for loan losses | 7,856,000 | 8,840,000 | 9,313,000 | 7,300,000 |
| Securities available for sale | 162,452,000 | 175,511,000 | 170,698,000 | 170,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,995,000 | 582,051,000 | 571,176,000 | 575,066,000 |
| Interest-bearing deposits | 538,396,000 | 536,073,000 | 528,553,000 | 524,219,000 |
| Noninterest-bearing deposits | 42,599,000 | 45,978,000 | 42,623,000 | 50,847,000 |
| Equity capital | 66,037,000 | 68,744,000 | 62,655,000 | 59,285,000 |
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 | 10,459,000 | 21,080,000 | 31,260,000 | 40,969,000 |
| Interest expense | 4,214,000 | 8,235,000 | 11,747,000 | 14,886,000 |
| Net interest income | 6,245,000 | 12,845,000 | 19,513,000 | 26,083,000 |
| Noninterest income | 1,229,000 | 2,844,000 | 4,399,000 | 6,702,000 |
| Noninterest expense | 4,183,000 | 8,207,000 | 12,247,000 | 16,853,000 |
| Provision for loan losses | 3,938,000 | 4,698,000 | 5,373,000 | 6,903,000 |
| Pretax income | -605,000 | 3,306,000 | 6,816,000 | 9,557,000 |
| Income tax | -386,000 | 512,000 | 1,561,000 | 2,284,000 |
| Net income | -219,000 | 2,794,000 | 5,255,000 | 7,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,563,000 | 65,056,000 | 60,496,000 | 57,302,000 |
| Total capital | 78,985,000 | 81,560,000 | 77,015,000 | 78,693,000 |
| Risk-weighted assets | 512,344,000 | 517,951,000 | 518,704,000 | 510,389,000 |
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