Call reports 2004
FARMERS & MERCHANTS BANK OF COLBY — 2004
What FARMERS & MERCHANTS BANK OF COLBY 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 | 70,319,000 | 71,185,000 | 70,781,000 | 73,219,000 |
| Total loans | 31,741,000 | 33,415,000 | 34,580,000 | 32,170,000 |
| Allowance for loan losses | 584,000 | 579,000 | 515,000 | 540,000 |
| Securities available for sale | 30,711,000 | 30,446,000 | 29,339,000 | 28,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,419,000 | 49,819,000 | 47,878,000 | 52,787,000 |
| Interest-bearing deposits | 44,106,000 | 43,731,000 | 42,546,000 | 43,750,000 |
| Noninterest-bearing deposits | 5,313,000 | 6,088,000 | 5,332,000 | 9,037,000 |
| Equity capital | 9,862,000 | 9,501,000 | 9,882,000 | 9,458,000 |
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 | 841,000 | 1,702,000 | 2,585,000 | 3,472,000 |
| Interest expense | 278,000 | 553,000 | 840,000 | 1,136,000 |
| Net interest income | 563,000 | 1,149,000 | 1,745,000 | 2,336,000 |
| Noninterest income | 107,000 | 212,000 | 325,000 | 445,000 |
| Noninterest expense | 442,000 | 856,000 | 1,309,000 | 1,930,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 250,000 |
| Pretax income | 228,000 | 505,000 | 601,000 | 592,000 |
| Income tax | 0 | 103,000 | 131,000 | 131,000 |
| Net income | 228,000 | 402,000 | 470,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,048,000 | 7,279,000 | 7,403,000 | 7,155,000 |
| Total capital | 7,499,000 | 7,749,000 | 7,881,000 | 7,612,000 |
| Risk-weighted assets | 36,184,000 | 37,457,000 | 38,525,000 | 36,514,000 |