Call reports 2004
FARMERS STATE BANK — 2004
What FARMERS STATE 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 | 317,542,000 | 321,625,000 | 325,637,000 | 334,316,000 |
| Total loans | 242,490,000 | 247,758,000 | 252,779,000 | 257,269,000 |
| Allowance for loan losses | 3,320,000 | 3,136,000 | 3,183,000 | 3,224,000 |
| Securities available for sale | 38,690,000 | 38,670,000 | 39,048,000 | 39,437,000 |
| Securities held to maturity | 9,284,000 | 9,248,000 | 9,052,000 | 9,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,229,000 | 263,501,000 | 261,001,000 | 269,611,000 |
| Interest-bearing deposits | 215,482,000 | 219,115,000 | 219,294,000 | 224,975,000 |
| Noninterest-bearing deposits | 40,747,000 | 44,386,000 | 41,707,000 | 44,636,000 |
| Equity capital | 29,540,000 | 29,453,000 | 30,411,000 | 30,645,000 |
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 | 4,218,000 | 8,532,000 | 12,884,000 | 17,332,000 |
| Interest expense | 1,428,000 | 2,867,000 | 4,329,000 | 5,845,000 |
| Net interest income | 2,790,000 | 5,665,000 | 8,555,000 | 11,487,000 |
| Noninterest income | 622,000 | 1,207,000 | 2,205,000 | 2,746,000 |
| Noninterest expense | 2,099,000 | 4,163,000 | 6,473,000 | 8,615,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,253,000 | 2,589,000 | 4,107,000 | 5,378,000 |
| Income tax | 342,000 | 715,000 | 1,034,000 | 1,374,000 |
| Net income | 911,000 | 1,874,000 | 3,073,000 | 4,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,795,000 | 29,254,000 | 29,947,000 | 30,316,000 |
| Total capital | 31,525,000 | 32,047,000 | 32,797,000 | 33,209,000 |
| Risk-weighted assets | 217,836,000 | 223,113,000 | 227,681,000 | 231,105,000 |