Call reports 2004
MERCHANTS AND FARMERS BANK OF COMER, GEORGIA — 2004
What MERCHANTS AND FARMERS BANK OF COMER, GEORGIA 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 | 124,336,000 | 118,239,000 | 117,594,000 | 119,232,000 |
| Total loans | 64,907,000 | 65,188,000 | 65,192,000 | 65,000,000 |
| Allowance for loan losses | 813,000 | 839,000 | 830,000 | 864,000 |
| Securities available for sale | 40,245,000 | 38,022,000 | 38,072,000 | 37,253,000 |
| Securities held to maturity | 101,000 | 90,000 | 89,000 | 84,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,573,000 | 97,137,000 | 99,680,000 | 100,833,000 |
| Interest-bearing deposits | 88,112,000 | 80,524,000 | 78,334,000 | 79,476,000 |
| Noninterest-bearing deposits | 14,461,000 | 16,613,000 | 21,346,000 | 21,357,000 |
| Equity capital | 17,594,000 | 16,826,000 | 13,485,000 | 14,012,000 |
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 | 1,625,000 | 3,259,000 | 4,942,000 | 6,633,000 |
| Interest expense | 287,000 | 546,000 | 800,000 | 1,087,000 |
| Net interest income | 1,338,000 | 2,713,000 | 4,142,000 | 5,546,000 |
| Noninterest income | 505,000 | 998,000 | 1,506,000 | 2,030,000 |
| Noninterest expense | 945,000 | 1,878,000 | 2,833,000 | 3,940,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 100,000 |
| Pretax income | 902,000 | 1,809,000 | 2,791,000 | 3,594,000 |
| Income tax | 4,000 | 7,000 | 8,000 | 9,000 |
| Net income | 898,000 | 1,802,000 | 2,783,000 | 3,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,758,000 | 16,923,000 | 13,004,000 | 13,806,000 |
| Total capital | 17,571,000 | 17,762,000 | 13,834,000 | 14,670,000 |
| Risk-weighted assets | 75,395,000 | 74,140,000 | 74,538,000 | 75,126,000 |