Call reports 2003
FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA — 2003
What FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,060,953,000 | 1,094,647,000 | 1,105,660,000 | 1,147,214,000 |
| Total loans | 686,858,000 | 747,917,000 | 772,443,000 | 806,571,000 |
| Allowance for loan losses | 16,871,000 | 17,091,000 | 17,126,000 | 17,221,000 |
| Securities available for sale | 254,507,000 | 209,398,000 | 185,270,000 | 215,104,000 |
| Securities held to maturity | 37,238,000 | 42,907,000 | 41,183,000 | 37,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 851,607,000 | 858,870,000 | 877,377,000 | 912,477,000 |
| Interest-bearing deposits | 582,683,000 | 597,072,000 | 610,130,000 | 608,937,000 |
| Noninterest-bearing deposits | 268,924,000 | 261,798,000 | 267,247,000 | 303,540,000 |
| Equity capital | 101,590,000 | 106,464,000 | 108,447,000 | 110,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 13,114,000 | 26,815,000 | 40,560,000 | 54,561,000 |
| Interest expense | 2,883,000 | 5,835,000 | 8,548,000 | 11,072,000 |
| Net interest income | 10,231,000 | 20,980,000 | 32,012,000 | 43,489,000 |
| Noninterest income | 2,821,000 | 5,792,000 | 8,769,000 | 11,612,000 |
| Noninterest expense | 7,475,000 | 15,375,000 | 23,255,000 | 31,820,000 |
| Provision for loan losses | 200,000 | 325,000 | 475,000 | 625,000 |
| Pretax income | 5,510,000 | 11,446,000 | 17,601,000 | 23,591,000 |
| Income tax | 2,006,000 | 4,154,000 | 6,371,000 | 8,389,000 |
| Net income | 3,504,000 | 7,292,000 | 11,230,000 | 15,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,106,000 | 104,020,000 | 107,959,000 | 111,271,000 |
| Total capital | 111,547,000 | 116,150,000 | 120,141,000 | 123,824,000 |
| Risk-weighted assets | 909,869,000 | 965,449,000 | 969,625,000 | 999,583,000 |