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 | 145,828,000 | 139,100,000 | 142,071,000 | 140,576,000 |
| Total loans | 104,816,000 | 112,544,000 | 118,729,000 | 116,831,000 |
| Allowance for loan losses | 1,547,000 | 1,710,000 | 1,556,000 | 1,758,000 |
| Securities available for sale | 16,382,000 | 18,908,000 | 15,688,000 | 15,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,206,000 | 127,265,000 | 130,021,000 | 127,859,000 |
| Interest-bearing deposits | 111,192,000 | 104,988,000 | 108,385,000 | 104,413,000 |
| Noninterest-bearing deposits | 23,013,000 | 22,277,000 | 21,636,000 | 23,446,000 |
| Equity capital | 10,472,000 | 10,902,000 | 11,181,000 | 11,652,000 |
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 | 1,980,000 | 4,036,000 | 6,074,000 | 8,085,000 |
| Interest expense | 731,000 | 1,377,000 | 1,955,000 | 2,438,000 |
| Net interest income | 1,249,000 | 2,659,000 | 4,119,000 | 5,647,000 |
| Noninterest income | 331,000 | 755,000 | 1,267,000 | 1,730,000 |
| Noninterest expense | 950,000 | 1,966,000 | 3,119,000 | 4,253,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 504,000 | 1,172,000 | 1,841,000 | 2,548,000 |
| Income tax | 200,000 | 432,000 | 665,000 | 802,000 |
| Net income | 304,000 | 740,000 | 1,176,000 | 1,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,198,000 | 10,588,000 | 10,954,000 | 11,444,000 |
| Total capital | 11,497,000 | 11,927,000 | 12,345,000 | 12,806,000 |
| Risk-weighted assets | 103,638,000 | 106,759,000 | 111,087,000 | 108,561,000 |
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