Call reports 2004
FARMERS BANK — 2004
What 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 | 74,627,000 | 80,846,000 | 82,755,000 | 86,655,000 |
| Total loans | 65,228,000 | 68,518,000 | 68,129,000 | 74,964,000 |
| Allowance for loan losses | 421,000 | 450,000 | 488,000 | 512,000 |
| Securities available for sale | 3,589,000 | 2,483,000 | 6,437,000 | 4,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,842,000 | 68,386,000 | 69,770,000 | 72,310,000 |
| Interest-bearing deposits | 55,861,000 | 61,465,000 | 60,617,000 | 62,118,000 |
| Noninterest-bearing deposits | 6,981,000 | 6,921,000 | 9,153,000 | 10,192,000 |
| Equity capital | 9,181,000 | 9,461,000 | 9,925,000 | 10,287,000 |
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 | 1,107,000 | 2,239,000 | 3,486,000 | 4,808,000 |
| Interest expense | 302,000 | 603,000 | 925,000 | 1,261,000 |
| Net interest income | 805,000 | 1,636,000 | 2,561,000 | 3,547,000 |
| Noninterest income | 61,000 | 117,000 | 177,000 | 225,000 |
| Noninterest expense | 404,000 | 782,000 | 1,205,000 | 1,649,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 130,000 |
| Pretax income | 432,000 | 911,000 | 1,433,000 | 1,993,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 432,000 | 911,000 | 1,433,000 | 1,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,536,000 | 6,852,000 | 7,332,000 | 7,723,000 |
| Total capital | 6,957,000 | 7,302,000 | 7,820,000 | 8,235,000 |
| Risk-weighted assets | 62,706,000 | 65,579,000 | 69,347,000 | 77,794,000 |