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 | 28,725,000 | 28,692,000 | 28,587,000 | 29,473,000 |
| Total loans | 15,934,000 | 16,469,000 | 17,736,000 | 16,807,000 |
| Allowance for loan losses | 311,000 | 275,000 | 277,000 | 280,000 |
| Securities available for sale | 7,717,000 | 8,143,000 | 7,056,000 | 7,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,346,000 | 24,329,000 | 24,360,000 | 25,577,000 |
| Interest-bearing deposits | 22,031,000 | 22,191,000 | 22,236,000 | 22,845,000 |
| Noninterest-bearing deposits | 2,315,000 | 2,138,000 | 2,124,000 | 2,732,000 |
| Equity capital | 3,442,000 | 3,529,000 | 3,579,000 | 3,365,000 |
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 | 388,000 | 757,000 | 1,145,000 | 1,518,000 |
| Interest expense | 152,000 | 294,000 | 423,000 | 552,000 |
| Net interest income | 236,000 | 463,000 | 722,000 | 966,000 |
| Noninterest income | 30,000 | 60,000 | 88,000 | 123,000 |
| Noninterest expense | 168,000 | 346,000 | 502,000 | 801,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 177,000 | 308,000 | 316,000 |
| Income tax | 20,000 | 23,000 | 43,000 | 84,000 |
| Net income | 78,000 | 154,000 | 265,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,320,000 | 3,393,000 | 3,503,000 | 3,306,000 |
| Total capital | 3,565,000 | 3,647,000 | 3,768,000 | 3,563,000 |
| Risk-weighted assets | 19,782,000 | 20,216,000 | 21,228,000 | 20,514,000 |