Call reports 2003
FARMERS STATE BANK — 2003
What FARMERS STATE BANK 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 | 149,251,000 | 148,428,000 | 148,735,000 | 147,944,000 |
| Total loans | 131,139,000 | 133,602,000 | 135,055,000 | 134,795,000 |
| Allowance for loan losses | 851,000 | 883,000 | 899,000 | 950,000 |
| Securities available for sale | 2,140,000 | 2,137,000 | 2,112,000 | 2,094,000 |
| Securities held to maturity | 130,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,601,000 | 117,272,000 | 115,160,000 | 114,102,000 |
| Interest-bearing deposits | 104,816,000 | 104,793,000 | 102,847,000 | 101,959,000 |
| Noninterest-bearing deposits | 12,785,000 | 12,479,000 | 12,313,000 | 12,143,000 |
| Equity capital | 13,228,000 | 13,678,000 | 14,172,000 | 14,585,000 |
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 | 2,401,000 | 4,797,000 | 7,155,000 | 9,472,000 |
| Interest expense | 820,000 | 1,646,000 | 2,357,000 | 3,038,000 |
| Net interest income | 1,581,000 | 3,151,000 | 4,798,000 | 6,434,000 |
| Noninterest income | 200,000 | 447,000 | 712,000 | 910,000 |
| Noninterest expense | 1,001,000 | 2,031,000 | 3,140,000 | 4,218,000 |
| Provision for loan losses | 32,000 | 71,000 | 111,000 | 150,000 |
| Pretax income | 748,000 | 1,496,000 | 2,259,000 | 2,976,000 |
| Income tax | 273,000 | 573,000 | 829,000 | 1,101,000 |
| Net income | 475,000 | 923,000 | 1,430,000 | 1,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,325,000 | 11,806,000 | 12,346,000 | 12,798,000 |
| Total capital | 12,176,000 | 12,689,000 | 13,245,000 | 13,748,000 |
| Risk-weighted assets | 95,615,000 | 96,450,000 | 96,863,000 | 94,683,000 |
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