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 | 49,319,000 | 48,920,000 | 48,700,000 | 49,911,000 |
| Total loans | 31,673,000 | 32,283,000 | 33,191,000 | 33,646,000 |
| Allowance for loan losses | 784,000 | 739,000 | 777,000 | 829,000 |
| Securities available for sale | 11,742,000 | 11,934,000 | 12,294,000 | 11,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,317,000 | 38,939,000 | 38,539,000 | 39,968,000 |
| Interest-bearing deposits | 33,540,000 | 33,145,000 | 32,345,000 | 32,735,000 |
| Noninterest-bearing deposits | 5,777,000 | 5,794,000 | 6,194,000 | 7,233,000 |
| Equity capital | 9,775,000 | 9,706,000 | 9,844,000 | 9,623,000 |
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 | 720,000 | 1,413,000 | 2,147,000 | 2,927,000 |
| Interest expense | 167,000 | 326,000 | 480,000 | 633,000 |
| Net interest income | 553,000 | 1,087,000 | 1,667,000 | 2,294,000 |
| Noninterest income | 69,000 | 147,000 | 240,000 | 322,000 |
| Noninterest expense | 406,000 | 806,000 | 1,207,000 | 1,644,000 |
| Provision for loan losses | 38,000 | 90,000 | 143,000 | 195,000 |
| Pretax income | 178,000 | 338,000 | 557,000 | 777,000 |
| Income tax | 15,000 | 30,000 | 185,000 | 199,000 |
| Net income | 163,000 | 308,000 | 372,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,475,000 | 9,490,000 | 9,555,000 | 9,410,000 |
| Total capital | 9,864,000 | 9,880,000 | 10,078,000 | 9,887,000 |
| Risk-weighted assets | 29,943,000 | 30,878,000 | 41,612,000 | 37,865,000 |