Call reports 2003
INDEPENDENT FARMERS BANK — 2003
What INDEPENDENT FARMERS 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 | 52,632,000 | 53,154,000 | 53,588,000 | 54,733,000 |
| Total loans | 32,635,000 | 33,425,000 | 34,015,000 | 33,797,000 |
| Allowance for loan losses | 342,000 | 346,000 | 358,000 | 359,000 |
| Securities available for sale | 17,844,000 | 17,003,000 | 17,421,000 | 17,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,267,000 | 44,599,000 | 44,715,000 | 46,367,000 |
| Interest-bearing deposits | 41,249,000 | 41,370,000 | 41,518,000 | 42,041,000 |
| Noninterest-bearing deposits | 3,018,000 | 3,229,000 | 3,197,000 | 4,326,000 |
| Equity capital | 4,735,000 | 4,922,000 | 4,987,000 | 4,793,000 |
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 | 761,000 | 1,502,000 | 2,243,000 | 2,972,000 |
| Interest expense | 292,000 | 559,000 | 792,000 | 1,009,000 |
| Net interest income | 469,000 | 943,000 | 1,451,000 | 1,963,000 |
| Noninterest income | 69,000 | 143,000 | 227,000 | 301,000 |
| Noninterest expense | 311,000 | 616,000 | 937,000 | 1,279,000 |
| Provision for loan losses | 4,000 | 17,000 | 39,000 | 42,000 |
| Pretax income | 223,000 | 465,000 | 714,000 | 955,000 |
| Income tax | 67,000 | 137,000 | 213,000 | 302,000 |
| Net income | 156,000 | 328,000 | 501,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,337,000 | 4,509,000 | 4,682,000 | 4,530,000 |
| Total capital | 4,679,000 | 4,855,000 | 5,040,000 | 4,889,000 |
| Risk-weighted assets | 34,942,000 | 35,676,000 | 36,435,000 | 36,613,000 |
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