Call reports 2004
FARMERS & MERCHANTS UNION BANK — 2004
What FARMERS & MERCHANTS UNION 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 | 139,012,000 | 144,183,000 | 141,202,000 | 144,845,000 |
| Total loans | 106,892,000 | 108,025,000 | 109,139,000 | 114,619,000 |
| Allowance for loan losses | 1,117,000 | 1,120,000 | 1,122,000 | 1,117,000 |
| Securities available for sale | 20,023,000 | 19,809,000 | 20,192,000 | 20,224,000 |
| Securities held to maturity | 659,000 | 473,000 | 472,000 | 472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,229,000 | 128,413,000 | 124,561,000 | 128,488,000 |
| Interest-bearing deposits | 104,237,000 | 106,356,000 | 106,243,000 | 106,164,000 |
| Noninterest-bearing deposits | 18,992,000 | 22,057,000 | 18,318,000 | 22,324,000 |
| Equity capital | 15,067,000 | 14,917,000 | 15,626,000 | 15,822,000 |
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 | 1,755,000 | 3,525,000 | 5,385,000 | 7,286,000 |
| Interest expense | 476,000 | 950,000 | 1,435,000 | 1,928,000 |
| Net interest income | 1,279,000 | 2,575,000 | 3,950,000 | 5,358,000 |
| Noninterest income | 121,000 | 250,000 | 389,000 | 500,000 |
| Noninterest expense | 846,000 | 1,740,000 | 2,512,000 | 3,635,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 504,000 | 1,035,000 | 1,777,000 | 2,173,000 |
| Income tax | 144,000 | 323,000 | 545,000 | 582,000 |
| Net income | 360,000 | 712,000 | 1,232,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,542,000 | 14,756,000 | 15,276,000 | 15,560,000 |
| Total capital | 15,659,000 | 15,876,000 | 16,398,000 | 16,677,000 |
| Risk-weighted assets | 101,707,000 | 106,899,000 | 107,089,000 | 111,167,000 |