Call reports 2004
FARMERS BANK AND SAVINGS COMPANY, THE — 2004
What FARMERS BANK AND SAVINGS COMPANY, THE 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 | 150,071,000 | 151,020,000 | 156,586,000 | 156,666,000 |
| Total loans | 100,702,000 | 104,588,000 | 109,925,000 | 113,772,000 |
| Allowance for loan losses | 1,170,000 | 1,223,000 | 1,212,000 | 1,305,000 |
| Securities available for sale | 33,960,000 | 30,411,000 | 31,844,000 | 29,422,000 |
| Securities held to maturity | 2,457,000 | 2,386,000 | 2,385,000 | 2,078,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,008,000 | 136,660,000 | 139,275,000 | 139,485,000 |
| Interest-bearing deposits | 117,813,000 | 119,608,000 | 122,652,000 | 122,156,000 |
| Noninterest-bearing deposits | 17,195,000 | 17,051,000 | 16,623,000 | 17,328,000 |
| Equity capital | 13,012,000 | 12,760,000 | 13,036,000 | 13,035,000 |
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 | 2,159,000 | 4,433,000 | 6,826,000 | 9,134,000 |
| Interest expense | 742,000 | 1,491,000 | 2,299,000 | 3,136,000 |
| Net interest income | 1,417,000 | 2,942,000 | 4,527,000 | 5,998,000 |
| Noninterest income | 250,000 | 660,000 | 1,039,000 | 1,394,000 |
| Noninterest expense | 1,143,000 | 2,405,000 | 3,742,000 | 4,939,000 |
| Provision for loan losses | 65,000 | 197,000 | 319,000 | 490,000 |
| Pretax income | 482,000 | 1,015,000 | 1,520,000 | 1,978,000 |
| Income tax | 136,000 | 280,000 | 424,000 | 540,000 |
| Net income | 346,000 | 735,000 | 1,096,000 | 1,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,592,000 | 12,637,000 | 12,905,000 | 13,024,000 |
| Total capital | 13,762,000 | 13,781,000 | 14,117,000 | 14,217,000 |
| Risk-weighted assets | 93,797,000 | 96,622,000 | 100,608,000 | 95,336,000 |