Call reports 2004
FARMERS EXCHANGE BANK — 2004
What FARMERS EXCHANGE 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 | 48,872,000 | 49,177,000 | 48,532,000 | 51,106,000 |
| Total loans | 31,322,000 | 32,451,000 | 33,310,000 | 34,345,000 |
| Allowance for loan losses | 386,000 | 398,000 | 416,000 | 426,000 |
| Securities available for sale | 7,955,000 | 8,112,000 | 8,047,000 | 8,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,380,000 | 42,718,000 | 41,913,000 | 44,549,000 |
| Interest-bearing deposits | 37,105,000 | 36,440,000 | 35,757,000 | 36,897,000 |
| Noninterest-bearing deposits | 5,275,000 | 6,278,000 | 6,156,000 | 7,652,000 |
| Equity capital | 6,164,000 | 6,216,000 | 6,367,000 | 6,337,000 |
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 | 659,000 | 1,333,000 | 2,017,000 | 2,709,000 |
| Interest expense | 159,000 | 307,000 | 452,000 | 599,000 |
| Net interest income | 500,000 | 1,026,000 | 1,565,000 | 2,110,000 |
| Noninterest income | 135,000 | 285,000 | 410,000 | 559,000 |
| Noninterest expense | 385,000 | 747,000 | 1,122,000 | 1,604,000 |
| Provision for loan losses | 9,000 | 21,000 | 39,000 | 57,000 |
| Pretax income | 241,000 | 543,000 | 814,000 | 1,008,000 |
| Income tax | 79,000 | 199,000 | 313,000 | 374,000 |
| Net income | 162,000 | 344,000 | 501,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,793,000 | 3,983,000 | 4,122,000 | 4,157,000 |
| Total capital | 4,150,000 | 4,349,000 | 4,494,000 | 4,545,000 |
| Risk-weighted assets | 28,496,000 | 29,234,000 | 29,753,000 | 30,982,000 |
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