Call reports 2004
FARMERS & MECHANICS BANK — 2004
What FARMERS & MECHANICS 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 | 1,518,385,000 | 1,488,191,000 | 1,682,950,000 | 1,658,739,000 |
| Total loans | 875,601,000 | 861,527,000 | 883,548,000 | 862,008,000 |
| Allowance for loan losses | 11,588,000 | 10,822,000 | 10,654,000 | 10,483,000 |
| Securities available for sale | 500,232,000 | 468,745,000 | 454,765,000 | 430,523,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,083,644,000 | 1,090,699,000 | 1,086,903,000 | 1,079,680,000 |
| Interest-bearing deposits | 852,381,000 | 853,613,000 | 831,607,000 | 842,459,000 |
| Noninterest-bearing deposits | 231,263,000 | 237,086,000 | 255,296,000 | 237,221,000 |
| Equity capital | 192,581,000 | 189,790,000 | 378,424,000 | 379,031,000 |
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 | 17,031,000 | 34,134,000 | 50,634,000 | 67,377,000 |
| Interest expense | 3,513,000 | 6,932,000 | 10,396,000 | 13,869,000 |
| Net interest income | 13,518,000 | 27,202,000 | 40,238,000 | 53,508,000 |
| Noninterest income | 6,627,000 | 12,622,000 | 18,810,000 | 24,149,000 |
| Noninterest expense | 11,888,000 | 22,804,000 | 32,840,000 | 43,348,000 |
| Provision for loan losses | 0 | -500,000 | -1,010,000 | -1,010,000 |
| Pretax income | 8,203,000 | 17,466,000 | 27,163,000 | 35,265,000 |
| Income tax | 2,853,000 | 6,344,000 | 10,108,000 | 12,767,000 |
| Net income | 5,350,000 | 11,122,000 | 17,055,000 | 22,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 161,858,000 | 173,254,000 | 135,249,000 | 133,014,000 |
| Total capital | 213,351,000 | 223,976,000 | 185,871,000 | 183,423,000 |
| Risk-weighted assets | 1,085,908,000 | 1,114,022,000 | 1,116,349,000 | 1,089,479,000 |