Call reports 2004
FARMERS & MERCHANTS BANK — 2004
What FARMERS & 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 | 148,686,000 | 151,910,000 | 151,494,000 | 149,598,000 |
| Total loans | 117,950,000 | 117,392,000 | 118,174,000 | 116,238,000 |
| Allowance for loan losses | 1,673,000 | 1,581,000 | 1,649,000 | 1,684,000 |
| Securities available for sale | 24,345,000 | 24,486,000 | 24,168,000 | 25,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,071,000 | 115,709,000 | 114,239,000 | 116,993,000 |
| Interest-bearing deposits | 104,526,000 | 106,252,000 | 103,729,000 | 106,086,000 |
| Noninterest-bearing deposits | 8,545,000 | 9,457,000 | 10,510,000 | 10,907,000 |
| Equity capital | 15,243,000 | 14,666,000 | 15,433,000 | 15,185,000 |
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 | 2,205,000 | 4,305,000 | 6,410,000 | 8,536,000 |
| Interest expense | 718,000 | 1,407,000 | 2,099,000 | 2,788,000 |
| Net interest income | 1,487,000 | 2,898,000 | 4,311,000 | 5,748,000 |
| Noninterest income | 176,000 | 363,000 | 537,000 | 760,000 |
| Noninterest expense | 838,000 | 1,699,000 | 2,548,000 | 3,397,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 345,000 |
| Pretax income | 735,000 | 1,382,000 | 2,030,000 | 2,766,000 |
| Income tax | 210,000 | 385,000 | 553,000 | 759,000 |
| Net income | 525,000 | 997,000 | 1,477,000 | 2,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,482,000 | 14,451,000 | 14,931,000 | 14,789,000 |
| Total capital | 15,821,000 | 15,820,000 | 16,310,000 | 16,141,000 |
| Risk-weighted assets | 106,807,000 | 109,329,000 | 110,075,000 | 107,822,000 |