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 | 144,672,000 | 143,798,000 | 146,142,000 | 151,322,000 |
| Total loans | 102,726,000 | 101,921,000 | 104,319,000 | 109,098,000 |
| Allowance for loan losses | 1,461,000 | 1,515,000 | 1,498,000 | 1,551,000 |
| Securities available for sale | 29,701,000 | 30,073,000 | 28,588,000 | 28,090,000 |
| Securities held to maturity | 1,900,000 | 1,900,000 | 1,900,000 | 1,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,389,000 | 123,468,000 | 126,509,000 | 131,556,000 |
| Interest-bearing deposits | 106,734,000 | 106,291,000 | 108,155,000 | 112,445,000 |
| Noninterest-bearing deposits | 17,655,000 | 17,177,000 | 18,354,000 | 19,111,000 |
| Equity capital | 12,073,000 | 10,942,000 | 11,541,000 | 11,233,000 |
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 | 1,843,000 | 3,668,000 | 5,566,000 | 7,515,000 |
| Interest expense | 623,000 | 1,232,000 | 1,886,000 | 2,591,000 |
| Net interest income | 1,220,000 | 2,436,000 | 3,680,000 | 4,924,000 |
| Noninterest income | 308,000 | 619,000 | 938,000 | 1,250,000 |
| Noninterest expense | 753,000 | 1,579,000 | 2,331,000 | 3,305,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,043,000 | 1,684,000 | 2,435,000 | 2,957,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,043,000 | 1,684,000 | 2,435,000 | 2,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,022,000 | 10,695,000 | 10,799,000 | 10,700,000 |
| Total capital | 12,331,000 | 12,004,000 | 12,120,000 | 12,054,000 |
| Risk-weighted assets | 104,556,000 | 104,509,000 | 105,533,000 | 108,150,000 |