Call reports 2003
FARMERS AND MERCHANTS BANK — 2003
What FARMERS AND MERCHANTS BANK 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 | 78,802,000 | 84,474,000 | 85,817,000 | 84,702,000 |
| Total loans | 34,701,000 | 36,087,000 | 34,854,000 | 35,417,000 |
| Allowance for loan losses | 524,000 | 535,000 | 536,000 | 838,000 |
| Securities available for sale | 37,828,000 | 41,411,000 | 40,757,000 | 42,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,070,000 | 63,821,000 | 65,980,000 | 65,274,000 |
| Interest-bearing deposits | 55,833,000 | 54,100,000 | 55,940,000 | 56,435,000 |
| Noninterest-bearing deposits | 8,237,000 | 9,721,000 | 10,040,000 | 8,839,000 |
| Equity capital | 9,587,000 | 10,333,000 | 9,926,000 | 9,679,000 |
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 | 1,103,000 | 2,205,000 | 3,338,000 | 4,465,000 |
| Interest expense | 282,000 | 545,000 | 808,000 | 1,057,000 |
| Net interest income | 821,000 | 1,660,000 | 2,530,000 | 3,408,000 |
| Noninterest income | 100,000 | 183,000 | 273,000 | 368,000 |
| Noninterest expense | 517,000 | 1,027,000 | 1,557,000 | 2,158,000 |
| Provision for loan losses | 95,000 | 125,000 | 155,000 | 420,000 |
| Pretax income | 397,000 | 787,000 | 1,191,000 | 1,308,000 |
| Income tax | 99,000 | 184,000 | 265,000 | 303,000 |
| Net income | 298,000 | 603,000 | 926,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,124,000 | 9,429,000 | 9,752,000 | 9,390,000 |
| Total capital | 9,648,000 | 9,964,000 | 10,288,000 | 10,024,000 |
| Risk-weighted assets | 48,781,000 | 50,329,000 | 50,461,000 | 50,514,000 |
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