Call reports 2004
FARMERS & MERCHANTS BANK — 2004
What FARMERS & 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 | 295,459,000 | 304,716,000 | 351,026,000 | 356,923,000 |
| Total loans | 216,488,000 | 224,767,000 | 290,347,000 | 294,745,000 |
| Allowance for loan losses | 1,496,000 | 1,491,000 | 1,527,000 | 1,490,000 |
| Securities available for sale | 38,314,000 | 43,595,000 | 26,560,000 | 23,758,000 |
| Securities held to maturity | 762,000 | 760,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,620,000 | 245,250,000 | 248,073,000 | 247,259,000 |
| Interest-bearing deposits | 207,567,000 | 207,610,000 | 207,554,000 | 206,303,000 |
| Noninterest-bearing deposits | 35,053,000 | 37,640,000 | 40,519,000 | 40,956,000 |
| Equity capital | 23,950,000 | 24,053,000 | 24,709,000 | 26,105,000 |
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 | 3,843,000 | 7,730,000 | 11,828,000 | 16,268,000 |
| Interest expense | 1,241,000 | 2,467,000 | 3,812,000 | 5,319,000 |
| Net interest income | 2,602,000 | 5,263,000 | 8,016,000 | 10,949,000 |
| Noninterest income | 527,000 | 1,102,000 | 1,670,000 | 2,258,000 |
| Noninterest expense | 1,880,000 | 3,794,000 | 5,692,000 | 7,685,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,189,000 | 2,462,000 | 3,913,000 | 5,281,000 |
| Income tax | 378,000 | 782,000 | 1,248,000 | 1,688,000 |
| Net income | 811,000 | 1,680,000 | 2,665,000 | 3,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,243,000 | 19,694,000 | 20,313,000 | 21,880,000 |
| Total capital | 20,739,000 | 21,185,000 | 21,840,000 | 23,370,000 |
| Risk-weighted assets | 187,213,000 | 192,719,000 | 225,123,000 | 226,211,000 |