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 | 29,528,000 | 28,538,000 | 28,742,000 | 29,444,000 |
| Total loans | 11,198,000 | 11,640,000 | 11,664,000 | 12,321,000 |
| Allowance for loan losses | 389,000 | 388,000 | 414,000 | 437,000 |
| Securities available for sale | 9,106,000 | 9,374,000 | 9,121,000 | 9,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,019,000 | 23,022,000 | 23,208,000 | 23,359,000 |
| Interest-bearing deposits | 20,676,000 | 20,133,000 | 20,062,000 | 19,835,000 |
| Noninterest-bearing deposits | 3,343,000 | 2,889,000 | 3,146,000 | 3,524,000 |
| Equity capital | 3,414,000 | 3,281,000 | 3,405,000 | 3,396,000 |
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 | 365,000 | 728,000 | 1,089,000 | 1,457,000 |
| Interest expense | 88,000 | 175,000 | 264,000 | 358,000 |
| Net interest income | 277,000 | 553,000 | 825,000 | 1,099,000 |
| Noninterest income | 41,000 | 73,000 | 105,000 | 148,000 |
| Noninterest expense | 220,000 | 432,000 | 654,000 | 888,000 |
| Provision for loan losses | 42,000 | 80,000 | 115,000 | 148,000 |
| Pretax income | 75,000 | 133,000 | 181,000 | 231,000 |
| Income tax | 22,000 | 37,000 | 55,000 | 67,000 |
| Net income | 53,000 | 96,000 | 126,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,132,000 | 3,185,000 | 3,211,000 | 3,250,000 |
| Total capital | 3,313,000 | 3,363,000 | 3,388,000 | 3,435,000 |
| Risk-weighted assets | 14,236,000 | 13,991,000 | 13,948,000 | 14,580,000 |