Call reports 2004
FARMERS SAVINGS BANK — 2004
What FARMERS SAVINGS 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 | 64,607,000 | 65,845,000 | 67,307,000 | 65,558,000 |
| Total loans | 34,664,000 | 36,727,000 | 38,112,000 | 38,637,000 |
| Allowance for loan losses | 443,000 | 530,000 | 556,000 | 601,000 |
| Securities available for sale | 19,554,000 | 19,287,000 | 19,056,000 | 16,453,000 |
| Securities held to maturity | 6,833,000 | 6,762,000 | 6,906,000 | 6,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,129,000 | 52,718,000 | 52,983,000 | 54,803,000 |
| Interest-bearing deposits | 47,788,000 | 48,679,000 | 48,245,000 | 49,395,000 |
| Noninterest-bearing deposits | 4,341,000 | 4,039,000 | 4,738,000 | 5,409,000 |
| Equity capital | 6,111,000 | 5,657,000 | 6,345,000 | 6,271,000 |
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 | 885,000 | 1,819,000 | 2,761,000 | 3,704,000 |
| Interest expense | 335,000 | 667,000 | 1,007,000 | 1,351,000 |
| Net interest income | 550,000 | 1,152,000 | 1,754,000 | 2,353,000 |
| Noninterest income | 60,000 | 128,000 | 209,000 | 276,000 |
| Noninterest expense | 432,000 | 828,000 | 1,247,000 | 1,732,000 |
| Provision for loan losses | 25,000 | 55,000 | 85,000 | 131,000 |
| Pretax income | 153,000 | 397,000 | 631,000 | 766,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 37,000 |
| Net income | 145,000 | 380,000 | 605,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,741,000 | 5,939,000 | 6,131,000 | 5,929,000 |
| Total capital | 6,184,000 | 6,469,000 | 6,675,000 | 6,471,000 |
| Risk-weighted assets | 40,869,000 | 42,436,000 | 43,630,000 | 43,305,000 |