Call reports 2003
FARMERS STATE BANK OF UNDERWOOD — 2003
What FARMERS STATE BANK OF UNDERWOOD 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 | 29,537,000 | 30,306,000 | 31,398,000 | 30,015,000 |
| Total loans | 21,439,000 | 21,609,000 | 22,343,000 | 21,602,000 |
| Allowance for loan losses | 291,000 | 306,000 | 302,000 | 333,000 |
| Securities available for sale | 4,699,000 | 4,039,000 | 4,022,000 | 4,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,026,000 | 27,691,000 | 28,826,000 | 27,379,000 |
| Interest-bearing deposits | 23,711,000 | 24,247,000 | 23,963,000 | 23,894,000 |
| Noninterest-bearing deposits | 3,316,000 | 3,444,000 | 4,863,000 | 3,485,000 |
| Equity capital | 2,366,000 | 2,303,000 | 2,381,000 | 2,495,000 |
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 | 477,000 | 960,000 | 1,437,000 | 1,923,000 |
| Interest expense | 147,000 | 287,000 | 417,000 | 541,000 |
| Net interest income | 330,000 | 673,000 | 1,020,000 | 1,382,000 |
| Noninterest income | 66,000 | 128,000 | 207,000 | 311,000 |
| Noninterest expense | 238,000 | 487,000 | 733,000 | 996,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 143,000 | 284,000 | 449,000 | 637,000 |
| Income tax | 50,000 | 106,000 | 163,000 | 225,000 |
| Net income | 93,000 | 178,000 | 286,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,286,000 | 2,221,000 | 2,328,000 | 2,455,000 |
| Total capital | 2,542,000 | 2,484,000 | 2,606,000 | 2,727,000 |
| Risk-weighted assets | 20,456,000 | 20,995,000 | 22,183,000 | 21,735,000 |
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