Call reports 2004
FARMERS AND MERCHANTS BANK — 2004
What FARMERS AND MERCHANTS 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 | 75,306,000 | 74,486,000 | 76,261,000 | 77,798,000 |
| Total loans | 42,796,000 | 43,502,000 | 45,547,000 | 48,028,000 |
| Allowance for loan losses | 470,000 | 470,000 | 468,000 | 469,000 |
| Securities available for sale | 17,831,000 | 18,695,000 | 19,077,000 | 19,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,862,000 | 67,382,000 | 68,955,000 | 70,576,000 |
| Interest-bearing deposits | 59,663,000 | 58,724,000 | 60,360,000 | 61,649,000 |
| Noninterest-bearing deposits | 8,199,000 | 8,658,000 | 8,595,000 | 8,927,000 |
| Equity capital | 6,033,000 | 5,761,000 | 6,045,000 | 6,060,000 |
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 | 933,000 | 1,872,000 | 2,848,000 | 3,861,000 |
| Interest expense | 234,000 | 469,000 | 704,000 | 946,000 |
| Net interest income | 699,000 | 1,403,000 | 2,144,000 | 2,915,000 |
| Noninterest income | 94,000 | 189,000 | 284,000 | 374,000 |
| Noninterest expense | 639,000 | 1,226,000 | 1,861,000 | 2,549,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 154,000 | 366,000 | 568,000 | 741,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 154,000 | 366,000 | 568,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,802,000 | 5,892,000 | 6,032,000 | 6,145,000 |
| Total capital | 6,272,000 | 6,362,000 | 6,500,000 | 6,614,000 |
| Risk-weighted assets | 43,168,000 | 44,479,000 | 45,772,000 | 47,724,000 |