Call reports 2004
FARMERS & MERCHANTS BANK OF HUTSONVILLE — 2004
What FARMERS & MERCHANTS BANK OF HUTSONVILLE 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 | 38,147,000 | 36,795,000 | 36,845,000 | 37,952,000 |
| Total loans | 6,715,000 | 7,379,000 | 7,414,000 | 7,157,000 |
| Allowance for loan losses | 86,000 | 86,000 | 86,000 | 86,000 |
| Securities available for sale | 5,217,000 | 4,891,000 | 3,851,000 | 4,014,000 |
| Securities held to maturity | 2,434,000 | 3,136,000 | 2,075,000 | 2,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,759,000 | 27,440,000 | 27,353,000 | 28,574,000 |
| Interest-bearing deposits | 25,985,000 | 25,204,000 | 25,322,000 | 25,962,000 |
| Noninterest-bearing deposits | 2,774,000 | 2,236,000 | 2,031,000 | 2,612,000 |
| Equity capital | 5,900,000 | 5,844,000 | 5,954,000 | 5,826,000 |
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 | 287,000 | 572,000 | 866,000 | 1,167,000 |
| Interest expense | 179,000 | 355,000 | 540,000 | 732,000 |
| Net interest income | 108,000 | 217,000 | 326,000 | 435,000 |
| Noninterest income | 26,000 | 47,000 | 70,000 | 91,000 |
| Noninterest expense | 74,000 | 144,000 | 232,000 | 399,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 61,000 | 121,000 | 166,000 | 135,000 |
| Income tax | 0 | 4,000 | 7,000 | 9,000 |
| Net income | 61,000 | 117,000 | 159,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,864,000 | 5,917,000 | 5,959,000 | 5,863,000 |
| Total capital | 5,950,000 | 6,003,000 | 6,045,000 | 5,949,000 |
| Risk-weighted assets | 13,001,000 | 12,937,000 | 12,817,000 | 12,848,000 |