Call reports 2004
FARMERS BANK, FRANKFORT, INDIANA, INC., THE — 2004
What FARMERS BANK, FRANKFORT, INDIANA, INC., THE 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 | 468,368,000 | 453,089,000 | 450,463,000 | 455,925,000 |
| Total loans | 359,750,000 | 349,258,000 | 343,703,000 | 326,489,000 |
| Allowance for loan losses | 4,505,000 | 4,599,000 | 4,743,000 | 6,027,000 |
| Securities available for sale | 36,176,000 | 40,957,000 | 44,814,000 | 49,578,000 |
| Securities held to maturity | 22,702,000 | 27,413,000 | 28,959,000 | 29,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,259,000 | 350,593,000 | 336,049,000 | 351,818,000 |
| Interest-bearing deposits | 315,228,000 | 300,768,000 | 286,961,000 | 302,194,000 |
| Noninterest-bearing deposits | 50,031,000 | 49,825,000 | 49,088,000 | 49,624,000 |
| Equity capital | 39,510,000 | 39,772,000 | 40,797,000 | 39,487,000 |
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 | 6,380,000 | 12,681,000 | 18,888,000 | 24,962,000 |
| Interest expense | 2,422,000 | 4,634,000 | 6,851,000 | 9,195,000 |
| Net interest income | 3,958,000 | 8,047,000 | 12,037,000 | 15,767,000 |
| Noninterest income | 923,000 | 2,406,000 | 3,601,000 | 4,555,000 |
| Noninterest expense | 3,163,000 | 6,330,000 | 9,683,000 | 12,904,000 |
| Provision for loan losses | 525,000 | 1,360,000 | 1,685,000 | 4,560,000 |
| Pretax income | 1,193,000 | 2,763,000 | 4,270,000 | 2,858,000 |
| Income tax | 358,000 | 898,000 | 1,349,000 | 627,000 |
| Net income | 835,000 | 1,865,000 | 2,921,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,919,000 | 39,773,000 | 40,416,000 | 39,267,000 |
| Total capital | 43,424,000 | 44,372,000 | 45,048,000 | 43,791,000 |
| Risk-weighted assets | 381,852,000 | 372,585,000 | 370,525,000 | 360,434,000 |