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 | 24,901,000 | 24,302,000 | 23,788,000 | 24,517,000 |
| Total loans | 15,817,000 | 15,457,000 | 15,892,000 | 16,544,000 |
| Allowance for loan losses | 359,000 | 357,000 | 357,000 | 357,000 |
| Securities available for sale | 4,872,000 | 5,703,000 | 5,190,000 | 5,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,130,000 | 20,570,000 | 19,933,000 | 20,725,000 |
| Interest-bearing deposits | 18,167,000 | 17,547,000 | 17,085,000 | 17,314,000 |
| Noninterest-bearing deposits | 2,963,000 | 3,023,000 | 2,848,000 | 3,411,000 |
| Equity capital | 3,702,000 | 3,642,000 | 3,779,000 | 3,723,000 |
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 | 330,000 | 638,000 | 951,000 | 1,283,000 |
| Interest expense | 77,000 | 152,000 | 225,000 | 298,000 |
| Net interest income | 253,000 | 486,000 | 726,000 | 985,000 |
| Noninterest income | 44,000 | 95,000 | 142,000 | 183,000 |
| Noninterest expense | 129,000 | 270,000 | 408,000 | 626,000 |
| Provision for loan losses | 71,000 | 94,000 | 139,000 | 157,000 |
| Pretax income | 98,000 | 218,000 | 322,000 | 386,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 98,000 | 218,000 | 322,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,518,000 | 3,598,000 | 3,662,000 | 3,626,000 |
| Total capital | 3,726,000 | 3,800,000 | 3,869,000 | 3,839,000 |
| Risk-weighted assets | 16,509,000 | 16,036,000 | 16,445,000 | 16,928,000 |