Call reports 2003
FARMERS & MERCHANTS BANK & TRUST — 2003
What FARMERS & MERCHANTS BANK & TRUST 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 | 247,646,000 | 242,835,000 | 248,278,000 | 245,473,000 |
| Total loans | 76,641,000 | 75,630,000 | 76,522,000 | 85,035,000 |
| Allowance for loan losses | 545,000 | 578,000 | 586,000 | 540,000 |
| Securities available for sale | 107,411,000 | 112,087,000 | 108,236,000 | 131,869,000 |
| Securities held to maturity | 21,539,000 | 22,508,000 | 23,206,000 | 111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,134,000 | 211,140,000 | 218,206,000 | 207,883,000 |
| Interest-bearing deposits | 193,297,000 | 185,730,000 | 189,364,000 | 180,687,000 |
| Noninterest-bearing deposits | 23,837,000 | 25,410,000 | 28,842,000 | 27,196,000 |
| Equity capital | 19,019,000 | 18,168,000 | 17,790,000 | 18,078,000 |
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 | 2,503,000 | 4,965,000 | 7,210,000 | 9,630,000 |
| Interest expense | 1,147,000 | 2,221,000 | 3,108,000 | 3,946,000 |
| Net interest income | 1,356,000 | 2,744,000 | 4,102,000 | 5,684,000 |
| Noninterest income | 450,000 | 796,000 | 1,206,000 | 1,476,000 |
| Noninterest expense | 1,537,000 | 3,127,000 | 4,681,000 | 6,199,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 22,000 |
| Pretax income | 251,000 | 377,000 | 573,000 | 979,000 |
| Income tax | 23,000 | 23,000 | 20,000 | 67,000 |
| Net income | 228,000 | 354,000 | 553,000 | 912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,934,000 | 14,936,000 | 15,128,000 | 15,189,000 |
| Total capital | 16,479,000 | 15,514,000 | 15,714,000 | 15,729,000 |
| Risk-weighted assets | 103,506,000 | 101,351,000 | 103,569,000 | 108,499,000 |