Call reports 2004
FARMERS BANK, THE — 2004
What FARMERS BANK, 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 | 77,243,000 | 76,046,000 | 76,909,000 | 77,120,000 |
| Total loans | 48,474,000 | 48,725,000 | 50,796,000 | 54,334,000 |
| Allowance for loan losses | 575,000 | 575,000 | 588,000 | 536,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,064,000 | 12,731,000 | 12,503,000 | 12,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,837,000 | 61,170,000 | 62,248,000 | 62,407,000 |
| Interest-bearing deposits | 48,642,000 | 47,467,000 | 48,360,000 | 48,067,000 |
| Noninterest-bearing deposits | 14,195,000 | 13,703,000 | 13,888,000 | 14,340,000 |
| Equity capital | 13,794,000 | 14,084,000 | 13,663,000 | 13,637,000 |
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 | 1,034,000 | 2,039,000 | 3,104,000 | 4,242,000 |
| Interest expense | 194,000 | 381,000 | 570,000 | 764,000 |
| Net interest income | 840,000 | 1,658,000 | 2,534,000 | 3,478,000 |
| Noninterest income | 179,000 | 384,000 | 564,000 | 797,000 |
| Noninterest expense | 617,000 | 1,214,000 | 1,831,000 | 2,706,000 |
| Provision for loan losses | 23,000 | 43,000 | 74,000 | 141,000 |
| Pretax income | 380,000 | 786,000 | 1,193,000 | 1,428,000 |
| Income tax | 99,000 | 215,000 | 344,000 | 405,000 |
| Net income | 281,000 | 571,000 | 849,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,794,000 | 14,084,000 | 13,663,000 | 13,637,000 |
| Total capital | 14,369,000 | 14,659,000 | 14,251,000 | 14,173,000 |
| Risk-weighted assets | 53,775,000 | 53,908,000 | 77,786,000 | 57,388,000 |