Call reports 2004
FARMERS STATE BANK — 2004
What FARMERS STATE 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 | 151,161,000 | 151,932,000 | 153,492,000 | 156,954,000 |
| Total loans | 137,210,000 | 139,530,000 | 141,380,000 | 145,046,000 |
| Allowance for loan losses | 933,000 | 911,000 | 898,000 | 913,000 |
| Securities available for sale | 2,097,000 | 2,058,000 | 2,053,000 | 2,036,000 |
| Securities held to maturity | 120,000 | 110,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,680,000 | 116,628,000 | 117,359,000 | 117,796,000 |
| Interest-bearing deposits | 105,175,000 | 104,565,000 | 104,846,000 | 105,049,000 |
| Noninterest-bearing deposits | 11,505,000 | 12,063,000 | 12,513,000 | 12,747,000 |
| Equity capital | 15,024,000 | 15,349,000 | 15,730,000 | 15,809,000 |
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 | 2,239,000 | 4,455,000 | 6,700,000 | 8,983,000 |
| Interest expense | 655,000 | 1,288,000 | 1,906,000 | 2,545,000 |
| Net interest income | 1,584,000 | 3,167,000 | 4,794,000 | 6,438,000 |
| Noninterest income | 215,000 | 524,000 | 777,000 | 1,161,000 |
| Noninterest expense | 1,093,000 | 2,183,000 | 3,288,000 | 4,452,000 |
| Provision for loan losses | 12,000 | 57,000 | 68,000 | 100,000 |
| Pretax income | 694,000 | 1,451,000 | 2,215,000 | 3,047,000 |
| Income tax | 259,000 | 532,000 | 814,000 | 1,123,000 |
| Net income | 435,000 | 919,000 | 1,401,000 | 1,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,265,000 | 13,647,000 | 14,062,000 | 14,183,000 |
| Total capital | 14,205,000 | 14,558,000 | 14,960,000 | 15,096,000 |
| Risk-weighted assets | 97,554,000 | 99,127,000 | 100,515,000 | 104,142,000 |
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