Call reports 2003
FARMERS & MERCHANTS BANK — 2003
What FARMERS & 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 | 95,887,000 | 184,060,000 | 181,015,000 | 178,844,000 |
| Total loans | 72,100,000 | 133,944,000 | 137,559,000 | 143,451,000 |
| Allowance for loan losses | 2,536,000 | 3,989,000 | 3,473,000 | 3,336,000 |
| Securities available for sale | 15,023,000 | 29,518,000 | 26,773,000 | 26,100,000 |
| Securities held to maturity | 22,000 | 21,000 | 19,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,318,000 | 164,684,000 | 161,916,000 | 159,164,000 |
| Interest-bearing deposits | 70,608,000 | 138,848,000 | 133,265,000 | 130,405,000 |
| Noninterest-bearing deposits | 12,710,000 | 25,836,000 | 28,651,000 | 28,759,000 |
| Equity capital | 12,207,000 | 17,472,000 | 17,312,000 | 17,614,000 |
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 | 1,369,000 | 5,049,000 | 7,605,000 | 10,313,000 |
| Interest expense | 542,000 | 1,969,000 | 2,853,000 | 3,615,000 |
| Net interest income | 827,000 | 3,080,000 | 4,752,000 | 6,698,000 |
| Noninterest income | 149,000 | 647,000 | 990,000 | 1,442,000 |
| Noninterest expense | 790,000 | 3,003,000 | 4,468,000 | 6,344,000 |
| Provision for loan losses | 0 | 120,000 | 120,000 | 120,000 |
| Pretax income | 186,000 | 716,000 | 1,271,000 | 1,793,000 |
| Income tax | 57,000 | 255,000 | 401,000 | 589,000 |
| Net income | 129,000 | 461,000 | 870,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,530,000 | 16,171,000 | 16,150,000 | 16,942,000 |
| Total capital | 12,462,000 | 17,947,000 | 17,952,000 | 18,776,000 |
| Risk-weighted assets | 72,695,000 | 139,875,000 | 142,300,000 | 145,017,000 |
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