Call reports 2003
FARMERS STATE BANK & TRUST CO. — 2003
What FARMERS STATE BANK & TRUST CO. 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 | 57,797,000 | 58,328,000 | 58,664,000 | 85,980,000 |
| Total loans | 35,726,000 | 37,654,000 | 38,378,000 | 37,290,000 |
| Allowance for loan losses | 443,000 | 455,000 | 481,000 | 460,000 |
| Securities available for sale | 15,402,000 | 14,456,000 | 13,035,000 | 13,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,310,000 | 50,876,000 | 51,305,000 | 78,655,000 |
| Interest-bearing deposits | 45,342,000 | 45,561,000 | 45,401,000 | 45,410,000 |
| Noninterest-bearing deposits | 5,968,000 | 5,315,000 | 5,904,000 | 33,245,000 |
| Equity capital | 4,733,000 | 4,939,000 | 4,973,000 | 4,898,000 |
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 | 808,000 | 1,575,000 | 2,347,000 | 3,100,000 |
| Interest expense | 341,000 | 663,000 | 962,000 | 1,247,000 |
| Net interest income | 467,000 | 912,000 | 1,385,000 | 1,853,000 |
| Noninterest income | 108,000 | 223,000 | 331,000 | 437,000 |
| Noninterest expense | 346,000 | 674,000 | 1,011,000 | 1,419,000 |
| Provision for loan losses | 9,000 | 25,000 | 63,000 | 86,000 |
| Pretax income | 220,000 | 436,000 | 642,000 | 785,000 |
| Income tax | 70,000 | 140,000 | 207,000 | 243,000 |
| Net income | 150,000 | 296,000 | 435,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,505,000 | 4,651,000 | 4,790,000 | 4,709,000 |
| Total capital | 4,948,000 | 5,106,000 | 5,271,000 | 5,169,000 |
| Risk-weighted assets | 39,014,000 | 40,913,000 | 41,793,000 | 46,659,000 |
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