Call reports 2003
FARMERS & MERCHANTS BANK, THE — 2003
What FARMERS & MERCHANTS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,895,000 | 54,802,000 | 52,850,000 | 52,885,000 |
| Total loans | 27,172,000 | 27,952,000 | 28,088,000 | 27,799,000 |
| Allowance for loan losses | 322,000 | 293,000 | 285,000 | 332,000 |
| Securities available for sale | 19,043,000 | 21,232,000 | 19,857,000 | 20,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,731,000 | 45,228,000 | 43,331,000 | 44,398,000 |
| Interest-bearing deposits | 40,723,000 | 40,812,000 | 39,613,000 | 40,590,000 |
| Noninterest-bearing deposits | 4,008,000 | 4,416,000 | 3,718,000 | 3,808,000 |
| Equity capital | 4,912,000 | 5,461,000 | 4,739,000 | 4,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 1,515,000 | 2,262,000 | 2,972,000 |
| Interest expense | 237,000 | 468,000 | 675,000 | 866,000 |
| Net interest income | 527,000 | 1,047,000 | 1,587,000 | 2,106,000 |
| Noninterest income | 82,000 | 186,000 | 233,000 | 304,000 |
| Noninterest expense | 458,000 | 915,000 | 1,380,000 | 1,841,000 |
| Provision for loan losses | 23,000 | 45,000 | 75,000 | 125,000 |
| Pretax income | 147,000 | 309,000 | 434,000 | 513,000 |
| Income tax | 9,000 | 14,000 | 27,000 | 33,000 |
| Net income | 138,000 | 295,000 | 407,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,615,000 | 4,672,000 | 4,784,000 | 4,856,000 |
| Total capital | 4,937,000 | 4,965,000 | 5,069,000 | 5,188,000 |
| Risk-weighted assets | 37,698,000 | 39,274,000 | 38,219,000 | 35,718,000 |
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