Call reports 2004
FARMERS & MERCHANTS SAVINGS BANK — 2004
What FARMERS & MERCHANTS SAVINGS 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 | 83,256,000 | 89,637,000 | 91,024,000 | 86,362,000 |
| Total loans | 37,855,000 | 39,387,000 | 38,273,000 | 39,618,000 |
| Allowance for loan losses | 557,000 | 559,000 | 563,000 | 559,000 |
| Securities available for sale | 30,606,000 | 37,666,000 | 35,630,000 | 33,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,823,000 | 62,289,000 | 63,560,000 | 58,224,000 |
| Interest-bearing deposits | 50,938,000 | 57,214,000 | 59,026,000 | 53,157,000 |
| Noninterest-bearing deposits | 4,885,000 | 5,075,000 | 4,534,000 | 5,067,000 |
| Equity capital | 7,581,000 | 7,088,000 | 7,705,000 | 7,744,000 |
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 | 939,000 | 1,943,000 | 2,939,000 | 3,967,000 |
| Interest expense | 555,000 | 1,118,000 | 1,690,000 | 2,246,000 |
| Net interest income | 384,000 | 825,000 | 1,249,000 | 1,721,000 |
| Noninterest income | 89,000 | 182,000 | 288,000 | 395,000 |
| Noninterest expense | 409,000 | 829,000 | 1,259,000 | 1,726,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 124,000 | 239,000 | 344,000 | 492,000 |
| Income tax | 18,000 | 13,000 | 27,000 | 35,000 |
| Net income | 106,000 | 226,000 | 317,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,450,000 | 7,570,000 | 7,661,000 | 7,801,000 |
| Total capital | 8,007,000 | 8,129,000 | 8,224,000 | 8,360,000 |
| Risk-weighted assets | 47,464,000 | 50,414,000 | 50,069,000 | 50,454,000 |
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