Call reports 2004
FARMERS BANK — 2004
What FARMERS 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 | 185,347,000 | 183,225,000 | 182,021,000 | 181,371,000 |
| Total loans | 104,695,000 | 107,140,000 | 108,297,000 | 110,141,000 |
| Allowance for loan losses | 1,520,000 | 1,571,000 | 1,466,000 | 1,880,000 |
| Securities available for sale | 371,000 | 371,000 | 371,000 | 372,000 |
| Securities held to maturity | 46,420,000 | 53,185,000 | 48,940,000 | 50,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,363,000 | 147,358,000 | 145,039,000 | 140,523,000 |
| Interest-bearing deposits | 125,519,000 | 126,933,000 | 124,278,000 | 120,356,000 |
| Noninterest-bearing deposits | 19,844,000 | 20,425,000 | 20,761,000 | 20,167,000 |
| Equity capital | 38,811,000 | 35,224,000 | 35,793,000 | 36,774,000 |
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 | 2,593,000 | 5,219,000 | 7,818,000 | 10,521,000 |
| Interest expense | 500,000 | 993,000 | 1,494,000 | 2,004,000 |
| Net interest income | 2,093,000 | 4,226,000 | 6,324,000 | 8,517,000 |
| Noninterest income | 461,000 | 997,000 | 1,535,000 | 2,390,000 |
| Noninterest expense | 1,304,000 | 3,061,000 | 4,735,000 | 6,687,000 |
| Provision for loan losses | 107,000 | 157,000 | 250,000 | 300,000 |
| Pretax income | 1,130,000 | 1,992,000 | 2,861,000 | 3,907,000 |
| Income tax | 450,000 | 901,000 | 1,201,000 | 1,268,000 |
| Net income | 680,000 | 1,091,000 | 1,660,000 | 2,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,013,000 | 34,426,000 | 34,995,000 | 35,976,000 |
| Total capital | 39,404,000 | 35,839,000 | 36,426,000 | 37,439,000 |
| Risk-weighted assets | 111,176,000 | 112,903,000 | 114,469,000 | 116,656,000 |
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