Call reports 2004
FARMERS STATE BANK OF UNDERWOOD — 2004
What FARMERS STATE BANK OF UNDERWOOD 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 | 31,521,000 | 33,033,000 | 33,043,000 | 35,246,000 |
| Total loans | 21,453,000 | 23,722,000 | 24,929,000 | 25,045,000 |
| Allowance for loan losses | 341,000 | 321,000 | 324,000 | 313,000 |
| Securities available for sale | 5,591,000 | 5,308,000 | 5,182,000 | 6,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,724,000 | 30,537,000 | 30,246,000 | 31,462,000 |
| Interest-bearing deposits | 25,285,000 | 26,332,000 | 25,514,000 | 26,550,000 |
| Noninterest-bearing deposits | 3,439,000 | 4,205,000 | 4,733,000 | 4,912,000 |
| Equity capital | 2,706,000 | 2,380,000 | 2,638,000 | 2,711,000 |
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 | 448,000 | 914,000 | 1,399,000 | 1,894,000 |
| Interest expense | 117,000 | 230,000 | 341,000 | 465,000 |
| Net interest income | 331,000 | 684,000 | 1,058,000 | 1,429,000 |
| Noninterest income | 79,000 | 145,000 | 211,000 | 313,000 |
| Noninterest expense | 263,000 | 524,000 | 782,000 | 1,058,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 147,000 | 300,000 | 482,000 | 679,000 |
| Income tax | 30,000 | 30,000 | 30,000 | 30,000 |
| Net income | 117,000 | 270,000 | 452,000 | 649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,572,000 | 2,436,000 | 2,619,000 | 2,708,000 |
| Total capital | 2,852,000 | 2,740,000 | 2,935,000 | 3,021,000 |
| Risk-weighted assets | 22,364,000 | 24,341,000 | 25,286,000 | 26,301,000 |
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