Call reports 2004
FARMERS & MERCHANTS STATE BANK — 2004
What FARMERS & MERCHANTS STATE 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 | 124,558,000 | 120,224,000 | 118,708,000 | 126,667,000 |
| Total loans | 65,955,000 | 69,950,000 | 73,476,000 | 72,857,000 |
| Allowance for loan losses | 931,000 | 923,000 | 865,000 | 907,000 |
| Securities available for sale | 51,352,000 | 42,029,000 | 37,134,000 | 41,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,979,000 | 100,811,000 | 99,239,000 | 106,836,000 |
| Interest-bearing deposits | 91,041,000 | 86,856,000 | 85,845,000 | 91,446,000 |
| Noninterest-bearing deposits | 14,938,000 | 13,955,000 | 13,394,000 | 15,390,000 |
| Equity capital | 11,513,000 | 10,983,000 | 11,528,000 | 11,381,000 |
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 | 1,479,000 | 2,983,000 | 4,516,000 | 6,084,000 |
| Interest expense | 552,000 | 1,076,000 | 1,615,000 | 2,177,000 |
| Net interest income | 927,000 | 1,907,000 | 2,901,000 | 3,907,000 |
| Noninterest income | 136,000 | 285,000 | 426,000 | 576,000 |
| Noninterest expense | 780,000 | 1,518,000 | 2,285,000 | 3,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 286,000 | 674,000 | 1,043,000 | 1,430,000 |
| Income tax | 51,000 | 141,000 | 228,000 | 304,000 |
| Net income | 235,000 | 533,000 | 815,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,569,000 | 10,720,000 | 11,016,000 | 11,019,000 |
| Total capital | 11,500,000 | 11,643,000 | 11,881,000 | 11,926,000 |
| Risk-weighted assets | 77,019,000 | 78,959,000 | 81,453,000 | 82,502,000 |
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