Call reports 2003
FARMERS STATE BANK — 2003
What FARMERS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 46,287,000 | 45,179,000 | 46,588,000 | 48,695,000 |
| Total loans | 31,680,000 | 32,148,000 | 32,525,000 | 32,216,000 |
| Allowance for loan losses | 896,000 | 845,000 | 833,000 | 874,000 |
| Securities available for sale | 10,380,000 | 11,535,000 | 11,550,000 | 11,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,034,000 | 35,141,000 | 36,428,000 | 38,733,000 |
| Interest-bearing deposits | 31,717,000 | 30,944,000 | 31,934,000 | 32,777,000 |
| Noninterest-bearing deposits | 4,317,000 | 4,197,000 | 4,494,000 | 5,956,000 |
| Equity capital | 9,907,000 | 9,702,000 | 9,789,000 | 9,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,485,000 | 2,211,000 | 2,938,000 |
| Interest expense | 215,000 | 419,000 | 618,000 | 806,000 |
| Net interest income | 544,000 | 1,066,000 | 1,593,000 | 2,132,000 |
| Noninterest income | 85,000 | 167,000 | 232,000 | 302,000 |
| Noninterest expense | 387,000 | 795,000 | 1,183,000 | 1,607,000 |
| Provision for loan losses | 53,000 | 90,000 | 127,000 | 165,000 |
| Pretax income | 189,000 | 348,000 | 515,000 | 662,000 |
| Income tax | 10,000 | 23,000 | 35,000 | 85,000 |
| Net income | 179,000 | 325,000 | 480,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,611,000 | 9,396,000 | 9,521,000 | 9,312,000 |
| Total capital | 9,989,000 | 9,772,000 | 9,906,000 | 9,697,000 |
| Risk-weighted assets | 29,530,000 | 29,834,000 | 30,328,000 | 30,330,000 |