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 | 148,142,000 | 153,403,000 | 159,375,000 | 166,678,000 |
| Total loans | 121,196,000 | 128,369,000 | 134,305,000 | 138,277,000 |
| Allowance for loan losses | 1,849,000 | 2,025,000 | 2,152,000 | 2,059,000 |
| Securities available for sale | 14,808,000 | 9,578,000 | 8,353,000 | 12,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,982,000 | 132,224,000 | 136,508,000 | 141,441,000 |
| Interest-bearing deposits | 106,749,000 | 108,691,000 | 111,717,000 | 114,429,000 |
| Noninterest-bearing deposits | 24,233,000 | 23,533,000 | 24,791,000 | 27,012,000 |
| Equity capital | 11,951,000 | 12,207,000 | 12,723,000 | 12,942,000 |
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 | 2,005,000 | 4,063,000 | 6,290,000 | 8,629,000 |
| Interest expense | 435,000 | 893,000 | 1,426,000 | 2,061,000 |
| Net interest income | 1,570,000 | 3,170,000 | 4,864,000 | 6,568,000 |
| Noninterest income | 444,000 | 925,000 | 1,385,000 | 1,849,000 |
| Noninterest expense | 1,136,000 | 2,298,000 | 3,508,000 | 4,763,000 |
| Provision for loan losses | 165,000 | 330,000 | 465,000 | 540,000 |
| Pretax income | 713,000 | 1,455,000 | 2,275,000 | 3,113,000 |
| Income tax | 259,000 | 528,000 | 827,000 | 1,124,000 |
| Net income | 454,000 | 927,000 | 1,448,000 | 1,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,724,000 | 12,121,000 | 12,597,000 | 12,870,000 |
| Total capital | 13,169,000 | 13,646,000 | 14,195,000 | 14,530,000 |
| Risk-weighted assets | 115,176,000 | 121,489,000 | 127,274,000 | 132,427,000 |
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