Call reports 2004
FARMERS & MERCHANTS STATE BANK, THE — 2004
What FARMERS & MERCHANTS STATE BANK, THE 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 | 713,315,000 | 711,668,000 | 704,939,000 | 701,453,000 |
| Total loans | 492,513,000 | 490,973,000 | 496,458,000 | 479,026,000 |
| Allowance for loan losses | 7,500,000 | 7,800,000 | 7,673,000 | 6,814,000 |
| Securities available for sale | 175,710,000 | 176,768,000 | 165,471,000 | 172,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,844,000 | 584,027,000 | 578,661,000 | 574,205,000 |
| Interest-bearing deposits | 544,630,000 | 536,771,000 | 530,708,000 | 526,247,000 |
| Noninterest-bearing deposits | 43,214,000 | 47,256,000 | 47,953,000 | 47,958,000 |
| Equity capital | 60,939,000 | 59,436,000 | 62,318,000 | 63,220,000 |
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 | 9,290,000 | 18,632,000 | 27,915,000 | 37,292,000 |
| Interest expense | 2,946,000 | 5,883,000 | 8,819,000 | 11,936,000 |
| Net interest income | 6,344,000 | 12,749,000 | 19,096,000 | 25,356,000 |
| Noninterest income | 1,104,000 | 2,305,000 | 3,649,000 | 4,829,000 |
| Noninterest expense | 4,464,000 | 8,935,000 | 13,581,000 | 18,210,000 |
| Provision for loan losses | 416,000 | 791,000 | 941,000 | 884,000 |
| Pretax income | 2,695,000 | 5,455,000 | 8,350,000 | 11,218,000 |
| Income tax | 777,000 | 1,601,000 | 2,471,000 | 3,374,000 |
| Net income | 1,918,000 | 3,854,000 | 5,879,000 | 7,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,505,000 | 59,857,000 | 61,342,000 | 63,006,000 |
| Total capital | 79,960,000 | 81,319,000 | 82,826,000 | 84,313,000 |
| Risk-weighted assets | 515,370,000 | 515,601,000 | 517,554,000 | 503,387,000 |
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