Call reports 2004
INDEPENDENT FARMERS BANK — 2004
What INDEPENDENT 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 | 56,791,000 | 59,454,000 | 62,540,000 | 63,588,000 |
| Total loans | 34,147,000 | 36,694,000 | 38,510,000 | 39,461,000 |
| Allowance for loan losses | 366,000 | 382,000 | 402,000 | 418,000 |
| Securities available for sale | 19,829,000 | 19,092,000 | 21,201,000 | 20,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,255,000 | 51,081,000 | 52,138,000 | 55,173,000 |
| Interest-bearing deposits | 44,583,000 | 47,269,000 | 47,730,000 | 49,078,000 |
| Noninterest-bearing deposits | 3,672,000 | 3,812,000 | 4,408,000 | 6,095,000 |
| Equity capital | 5,030,000 | 4,873,000 | 5,139,000 | 4,873,000 |
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 | 724,000 | 1,483,000 | 2,268,000 | 3,095,000 |
| Interest expense | 222,000 | 469,000 | 751,000 | 1,033,000 |
| Net interest income | 502,000 | 1,014,000 | 1,517,000 | 2,062,000 |
| Noninterest income | 80,000 | 154,000 | 239,000 | 318,000 |
| Noninterest expense | 324,000 | 702,000 | 1,074,000 | 1,470,000 |
| Provision for loan losses | 15,000 | 33,000 | 53,000 | 80,000 |
| Pretax income | 247,000 | 437,000 | 633,000 | 833,000 |
| Income tax | 58,000 | 125,000 | 173,000 | 230,000 |
| Net income | 189,000 | 312,000 | 460,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,719,000 | 4,842,000 | 4,990,000 | 4,796,000 |
| Total capital | 5,085,000 | 5,224,000 | 5,392,000 | 5,214,000 |
| Risk-weighted assets | 37,634,000 | 40,402,000 | 42,300,000 | 43,142,000 |
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