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 | 134,704,000 | 131,420,000 | 132,508,000 | 132,927,000 |
| Total loans | 77,253,000 | 78,128,000 | 79,908,000 | 79,761,000 |
| Allowance for loan losses | 937,000 | 976,000 | 974,000 | 996,000 |
| Securities available for sale | 43,740,000 | 42,026,000 | 42,829,000 | 42,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,472,000 | 116,380,000 | 117,315,000 | 117,853,000 |
| Interest-bearing deposits | 107,468,000 | 105,214,000 | 104,274,000 | 104,814,000 |
| Noninterest-bearing deposits | 11,004,000 | 11,166,000 | 13,041,000 | 13,039,000 |
| Equity capital | 14,604,000 | 14,035,000 | 13,905,000 | 13,861,000 |
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 | 1,833,000 | 3,662,000 | 5,515,000 | 7,379,000 |
| Interest expense | 576,000 | 1,126,000 | 1,682,000 | 2,235,000 |
| Net interest income | 1,257,000 | 2,536,000 | 3,833,000 | 5,144,000 |
| Noninterest income | 225,000 | 359,000 | 458,000 | 557,000 |
| Noninterest expense | 846,000 | 1,728,000 | 2,627,000 | 3,557,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 591,000 | 1,077,000 | 1,529,000 | 1,964,000 |
| Income tax | 177,000 | 314,000 | 437,000 | 547,000 |
| Net income | 414,000 | 763,000 | 1,092,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,495,000 | 13,728,000 | 13,193,000 | 13,324,000 |
| Total capital | 14,432,000 | 14,704,000 | 14,167,000 | 14,320,000 |
| Risk-weighted assets | 78,677,000 | 79,110,000 | 80,964,000 | 81,801,000 |