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 | 65,974,000 | 68,644,000 | 74,181,000 | 74,968,000 |
| Total loans | 34,669,000 | 39,348,000 | 43,509,000 | 44,740,000 |
| Allowance for loan losses | 354,000 | 357,000 | 370,000 | 393,000 |
| Securities available for sale | 25,663,000 | 26,254,000 | 25,834,000 | 24,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,185,000 | 57,007,000 | 58,047,000 | 60,649,000 |
| Interest-bearing deposits | 50,130,000 | 51,451,000 | 52,353,000 | 51,800,000 |
| Noninterest-bearing deposits | 6,055,000 | 5,556,000 | 5,694,000 | 8,849,000 |
| Equity capital | 5,630,000 | 5,362,000 | 5,868,000 | 5,907,000 |
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 | 831,000 | 1,756,000 | 2,801,000 | 3,852,000 |
| Interest expense | 232,000 | 490,000 | 754,000 | 1,086,000 |
| Net interest income | 599,000 | 1,266,000 | 2,047,000 | 2,766,000 |
| Noninterest income | 83,000 | 171,000 | 243,000 | 348,000 |
| Noninterest expense | 434,000 | 913,000 | 1,369,000 | 2,007,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 38,000 |
| Pretax income | 248,000 | 524,000 | 906,000 | 1,069,000 |
| Income tax | 42,000 | 118,000 | 230,000 | 293,000 |
| Net income | 206,000 | 406,000 | 676,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,232,000 | 5,311,000 | 5,582,000 | 5,684,000 |
| Total capital | 5,586,000 | 5,668,000 | 5,952,000 | 6,077,000 |
| Risk-weighted assets | 35,765,000 | 39,365,000 | 43,732,000 | 45,836,000 |