Call reports 2004
OLD FARMERS & MERCHANTS STATE BANK — 2004
What OLD FARMERS & MERCHANTS STATE 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 | 38,728,000 | 39,935,000 | 41,358,000 | 46,314,000 |
| Total loans | 19,508,000 | 19,808,000 | 20,604,000 | 21,699,000 |
| Allowance for loan losses | 212,000 | 200,000 | 194,000 | 198,000 |
| Securities available for sale | 14,674,000 | 15,539,000 | 16,947,000 | 18,373,000 |
| Securities held to maturity | 170,000 | 70,000 | 70,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,989,000 | 35,826,000 | 38,133,000 | 43,130,000 |
| Interest-bearing deposits | 30,760,000 | 30,959,000 | 32,161,000 | 34,121,000 |
| Noninterest-bearing deposits | 4,229,000 | 4,867,000 | 5,972,000 | 9,009,000 |
| Equity capital | 3,007,000 | 2,681,000 | 3,067,000 | 3,042,000 |
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 | 449,000 | 901,000 | 1,378,000 | 1,887,000 |
| Interest expense | 122,000 | 244,000 | 370,000 | 506,000 |
| Net interest income | 327,000 | 657,000 | 1,008,000 | 1,381,000 |
| Noninterest income | 40,000 | 79,000 | 112,000 | 146,000 |
| Noninterest expense | 247,000 | 496,000 | 747,000 | 1,016,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 131,000 | 250,000 | 383,000 | 515,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 131,000 | 250,000 | 383,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,805,000 | 2,868,000 | 2,971,000 | 3,033,000 |
| Total capital | 3,017,000 | 3,068,000 | 3,165,000 | 3,231,000 |
| Risk-weighted assets | 21,462,000 | 22,074,000 | 22,830,000 | 24,774,000 |