Call reports 2004
FARMERS & MERCHANTS BANK & TRUST — 2004
What FARMERS & MERCHANTS BANK & TRUST 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 | 234,299,000 | 223,352,000 | 229,266,000 | 224,300,000 |
| Total loans | 87,356,000 | 90,525,000 | 92,425,000 | 96,301,000 |
| Allowance for loan losses | 556,000 | 575,000 | 575,000 | 608,000 |
| Securities available for sale | 119,098,000 | 112,034,000 | 105,666,000 | 104,213,000 |
| Securities held to maturity | 111,000 | 111,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,661,000 | 196,108,000 | 197,454,000 | 189,936,000 |
| Interest-bearing deposits | 182,596,000 | 171,150,000 | 174,958,000 | 164,730,000 |
| Noninterest-bearing deposits | 24,065,000 | 24,958,000 | 22,496,000 | 25,206,000 |
| Equity capital | 19,558,000 | 18,337,000 | 19,156,000 | 18,925,000 |
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 | 2,373,000 | 4,665,000 | 6,937,000 | 9,292,000 |
| Interest expense | 754,000 | 1,461,000 | 2,144,000 | 2,826,000 |
| Net interest income | 1,619,000 | 3,204,000 | 4,793,000 | 6,466,000 |
| Noninterest income | 615,000 | 1,124,000 | 1,643,000 | 1,998,000 |
| Noninterest expense | 1,600,000 | 3,277,000 | 4,869,000 | 6,536,000 |
| Provision for loan losses | 19,000 | 38,000 | 57,000 | 76,000 |
| Pretax income | 615,000 | 1,013,000 | 1,510,000 | 1,852,000 |
| Income tax | 172,000 | 256,000 | 379,000 | 451,000 |
| Net income | 443,000 | 757,000 | 1,131,000 | 1,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,400,000 | 16,620,000 | 16,899,000 | 16,858,000 |
| Total capital | 16,956,000 | 17,195,000 | 17,474,000 | 17,466,000 |
| Risk-weighted assets | 107,857,000 | 108,749,000 | 110,621,000 | 110,969,000 |