Call reports 2004
FARMERS AND MERCHANTS BANK — 2004
What FARMERS AND 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 | 87,570,000 | 89,044,000 | 92,411,000 | 94,748,000 |
| Total loans | 33,737,000 | 31,699,000 | 31,809,000 | 31,033,000 |
| Allowance for loan losses | 898,000 | 351,000 | 509,000 | 354,000 |
| Securities available for sale | 46,305,000 | 50,036,000 | 51,400,000 | 50,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,973,000 | 64,926,000 | 67,030,000 | 69,672,000 |
| Interest-bearing deposits | 56,785,000 | 54,343,000 | 56,007,000 | 59,479,000 |
| Noninterest-bearing deposits | 10,188,000 | 10,583,000 | 11,023,000 | 10,193,000 |
| Equity capital | 10,555,000 | 9,595,000 | 10,772,000 | 10,464,000 |
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 | 1,092,000 | 2,206,000 | 3,377,000 | 4,540,000 |
| Interest expense | 240,000 | 478,000 | 774,000 | 1,075,000 |
| Net interest income | 852,000 | 1,728,000 | 2,603,000 | 3,465,000 |
| Noninterest income | 100,000 | 189,000 | 289,000 | 385,000 |
| Noninterest expense | 542,000 | 1,082,000 | 1,676,000 | 2,262,000 |
| Provision for loan losses | 40,000 | 140,000 | 200,000 | 210,000 |
| Pretax income | 372,000 | 698,000 | 1,023,000 | 1,388,000 |
| Income tax | 93,000 | 139,000 | 149,000 | 292,000 |
| Net income | 279,000 | 559,000 | 874,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,665,000 | 9,944,000 | 10,259,000 | 10,090,000 |
| Total capital | 10,293,000 | 10,295,000 | 10,768,000 | 10,444,000 |
| Risk-weighted assets | 50,003,000 | 50,382,000 | 44,215,000 | 51,228,000 |
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