Call reports 2003
MERCHANTS AND FARMERS BANK — 2003
What MERCHANTS AND FARMERS BANK 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 | 1,059,413,000 | 1,058,654,000 | 1,068,711,000 | 1,074,925,000 |
| Total loans | 700,200,000 | 733,112,000 | 776,667,000 | 781,390,000 |
| Allowance for loan losses | 10,393,000 | 10,422,000 | 11,009,000 | 10,891,000 |
| Securities available for sale | 229,077,000 | 213,846,000 | 198,476,000 | 187,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 860,081,000 | 852,763,000 | 809,028,000 | 820,939,000 |
| Interest-bearing deposits | 756,072,000 | 732,082,000 | 697,240,000 | 697,738,000 |
| Noninterest-bearing deposits | 104,009,000 | 120,681,000 | 111,787,000 | 123,201,000 |
| Equity capital | 113,406,000 | 114,715,000 | 111,829,000 | 112,627,000 |
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 | 14,386,000 | 28,734,000 | 43,178,000 | 58,035,000 |
| Interest expense | 4,802,000 | 9,255,000 | 13,268,000 | 17,628,000 |
| Net interest income | 9,584,000 | 19,479,000 | 29,910,000 | 40,407,000 |
| Noninterest income | 3,376,000 | 6,954,000 | 10,737,000 | 14,265,000 |
| Noninterest expense | 8,215,000 | 16,839,000 | 26,059,000 | 35,044,000 |
| Provision for loan losses | 920,000 | 1,883,000 | 2,843,000 | 3,802,000 |
| Pretax income | 3,825,000 | 7,691,000 | 11,726,000 | 15,833,000 |
| Income tax | 1,106,000 | 2,264,000 | 3,469,000 | 4,727,000 |
| Net income | 2,719,000 | 5,427,000 | 8,257,000 | 11,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,004,000 | 95,340,000 | 93,783,000 | 95,251,000 |
| Total capital | 103,051,000 | 104,676,000 | 103,765,000 | 105,200,000 |
| Risk-weighted assets | 719,789,000 | 743,176,000 | 795,348,000 | 793,992,000 |
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