Call reports 2004
FARMERS AND MERCHANTS BANK OF KENDALL — 2004
What FARMERS AND MERCHANTS BANK OF KENDALL 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 | 32,078,000 | 31,090,000 | 32,632,000 | 32,029,000 |
| Total loans | 28,249,000 | 28,317,000 | 28,677,000 | 28,654,000 |
| Allowance for loan losses | 423,000 | 443,000 | 432,000 | 439,000 |
| Securities available for sale | 1,615,000 | 1,569,000 | 1,391,000 | 1,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,039,000 | 28,146,000 | 29,530,000 | 29,205,000 |
| Interest-bearing deposits | 26,114,000 | 25,546,000 | 26,813,000 | 25,822,000 |
| Noninterest-bearing deposits | 2,925,000 | 2,600,000 | 2,717,000 | 3,383,000 |
| Equity capital | 2,815,000 | 2,738,000 | 2,876,000 | 2,637,000 |
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 | 565,000 | 1,125,000 | 1,693,000 | 2,261,000 |
| Interest expense | 148,000 | 289,000 | 431,000 | 577,000 |
| Net interest income | 417,000 | 836,000 | 1,262,000 | 1,684,000 |
| Noninterest income | 38,000 | 74,000 | 110,000 | 148,000 |
| Noninterest expense | 210,000 | 418,000 | 630,000 | 888,000 |
| Provision for loan losses | 13,000 | 32,000 | 50,000 | 61,000 |
| Pretax income | 232,000 | 460,000 | 692,000 | 883,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 232,000 | 460,000 | 692,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,722,000 | 2,690,000 | 2,806,000 | 2,581,000 |
| Total capital | 3,029,000 | 2,993,000 | 3,113,000 | 2,893,000 |
| Risk-weighted assets | 24,441,000 | 24,078,000 | 24,470,000 | 24,832,000 |