Call reports 2004
FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA — 2004
What FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA 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 | 1,119,186,000 | 1,184,702,000 | 1,173,398,000 | 1,225,481,000 |
| Total loans | 796,779,000 | 840,418,000 | 841,642,000 | 866,123,000 |
| Allowance for loan losses | 17,564,000 | 17,777,000 | 18,058,000 | 17,727,000 |
| Securities available for sale | 201,066,000 | 178,623,000 | 168,283,000 | 178,905,000 |
| Securities held to maturity | 35,982,000 | 72,159,000 | 70,089,000 | 89,952,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 909,578,000 | 970,969,000 | 996,709,000 | 1,005,936,000 |
| Interest-bearing deposits | 618,230,000 | 668,824,000 | 671,807,000 | 648,716,000 |
| Noninterest-bearing deposits | 291,347,000 | 302,145,000 | 324,902,000 | 357,220,000 |
| Equity capital | 118,566,000 | 116,259,000 | 122,872,000 | 122,582,000 |
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 | 13,999,000 | 28,465,000 | 43,511,000 | 59,047,000 |
| Interest expense | 2,311,000 | 4,624,000 | 6,995,000 | 9,373,000 |
| Net interest income | 11,688,000 | 23,841,000 | 36,516,000 | 49,674,000 |
| Noninterest income | 2,689,000 | 6,021,000 | 8,991,000 | 12,215,000 |
| Noninterest expense | 8,247,000 | 16,623,000 | 24,882,000 | 35,234,000 |
| Provision for loan losses | 375,000 | 725,000 | 1,075,000 | 1,275,000 |
| Pretax income | 6,396,000 | 13,261,000 | 20,307,000 | 26,171,000 |
| Income tax | 2,327,000 | 4,883,000 | 7,517,000 | 9,577,000 |
| Net income | 4,069,000 | 8,378,000 | 12,790,000 | 16,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,521,000 | 120,230,000 | 124,642,000 | 123,695,000 |
| Total capital | 130,824,000 | 133,436,000 | 137,266,000 | 136,916,000 |
| Risk-weighted assets | 979,050,000 | 1,051,949,000 | 1,004,385,000 | 1,053,033,000 |