Call reports 2004
FARMERS AND MERCHANTS BANK — 2004
What FARMERS AND 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 | 29,108,000 | 30,302,000 | 29,795,000 | 30,569,000 |
| Total loans | 15,882,000 | 16,851,000 | 17,168,000 | 17,150,000 |
| Allowance for loan losses | 224,000 | 223,000 | 223,000 | 223,000 |
| Securities available for sale | 10,651,000 | 9,823,000 | 11,028,000 | 9,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,726,000 | 27,098,000 | 25,602,000 | 27,192,000 |
| Interest-bearing deposits | 23,514,000 | 23,808,000 | 23,117,000 | 23,869,000 |
| Noninterest-bearing deposits | 2,212,000 | 3,290,000 | 2,485,000 | 3,323,000 |
| Equity capital | 3,043,000 | 2,835,000 | 3,016,000 | 2,989,000 |
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 | 367,000 | 723,000 | 1,092,000 | 1,472,000 |
| Interest expense | 123,000 | 237,000 | 349,000 | 463,000 |
| Net interest income | 244,000 | 486,000 | 743,000 | 1,009,000 |
| Noninterest income | 33,000 | 59,000 | 79,000 | 107,000 |
| Noninterest expense | 189,000 | 366,000 | 538,000 | 777,000 |
| Provision for loan losses | 3,000 | 3,000 | 8,000 | 8,000 |
| Pretax income | 85,000 | 176,000 | 276,000 | 348,000 |
| Income tax | 9,000 | 19,000 | 31,000 | 38,000 |
| Net income | 76,000 | 157,000 | 245,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,780,000 | 2,756,000 | 2,844,000 | 2,880,000 |
| Total capital | 3,004,000 | 2,979,000 | 3,067,000 | 3,103,000 |
| Risk-weighted assets | 18,267,000 | 19,422,000 | 19,828,000 | 20,030,000 |
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