Call reports 2004
FARMERS & MERCHANTS BANK — 2004
What FARMERS & 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 | 181,750,000 | 193,109,000 | 198,844,000 | 196,406,000 |
| Total loans | 144,685,000 | 159,361,000 | 163,237,000 | 163,807,000 |
| Allowance for loan losses | 3,356,000 | 3,424,000 | 3,258,000 | 3,274,000 |
| Securities available for sale | 25,886,000 | 24,482,000 | 24,420,000 | 23,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,798,000 | 168,345,000 | 174,858,000 | 172,075,000 |
| Interest-bearing deposits | 130,614,000 | 141,445,000 | 146,898,000 | 143,063,000 |
| Noninterest-bearing deposits | 28,184,000 | 26,900,000 | 27,960,000 | 29,012,000 |
| Equity capital | 18,319,000 | 18,518,000 | 19,056,000 | 19,555,000 |
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 | 2,637,000 | 5,526,000 | 8,518,000 | 11,644,000 |
| Interest expense | 667,000 | 1,342,000 | 2,081,000 | 2,857,000 |
| Net interest income | 1,970,000 | 4,184,000 | 6,437,000 | 8,787,000 |
| Noninterest income | 397,000 | 746,000 | 1,092,000 | 1,410,000 |
| Noninterest expense | 1,501,000 | 3,034,000 | 4,639,000 | 6,395,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 809,000 | 1,777,000 | 2,714,000 | 3,573,000 |
| Income tax | 255,000 | 570,000 | 872,000 | 1,156,000 |
| Net income | 554,000 | 1,207,000 | 1,842,000 | 2,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,220,000 | 18,920,000 | 19,155,000 | 19,730,000 |
| Total capital | 20,044,000 | 20,912,000 | 21,188,000 | 21,745,000 |
| Risk-weighted assets | 144,099,000 | 157,656,000 | 161,301,000 | 159,905,000 |
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