Call reports 2004
FARMERS STATE BANK OF FULTON COUNTY — 2004
What FARMERS STATE BANK OF FULTON COUNTY 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 | 58,196,000 | 66,892,000 | 67,929,000 | 61,692,000 |
| Total loans | 30,254,000 | 31,651,000 | 32,954,000 | 34,019,000 |
| Allowance for loan losses | 370,000 | 370,000 | 370,000 | 370,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,260,000 | 23,808,000 | 22,163,000 | 25,078,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,123,000 | 60,849,000 | 61,853,000 | 54,019,000 |
| Interest-bearing deposits | 46,767,000 | 55,867,000 | 56,955,000 | 48,721,000 |
| Noninterest-bearing deposits | 5,356,000 | 4,982,000 | 4,898,000 | 5,298,000 |
| Equity capital | 6,009,000 | 5,989,000 | 6,025,000 | 6,120,000 |
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 | 647,000 | 1,299,000 | 1,961,000 | 2,646,000 |
| Interest expense | 213,000 | 420,000 | 632,000 | 866,000 |
| Net interest income | 434,000 | 879,000 | 1,329,000 | 1,780,000 |
| Noninterest income | 39,000 | 79,000 | 123,000 | 163,000 |
| Noninterest expense | 243,000 | 489,000 | 739,000 | 994,000 |
| Provision for loan losses | 1,000 | 22,000 | 21,000 | 67,000 |
| Pretax income | 229,000 | 447,000 | 692,000 | 882,000 |
| Income tax | 3,000 | 6,000 | 10,000 | 13,000 |
| Net income | 226,000 | 441,000 | 682,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,009,000 | 5,989,000 | 6,025,000 | 6,120,000 |
| Total capital | 6,379,000 | 6,359,000 | 6,395,000 | 6,490,000 |
| Risk-weighted assets | 32,312,000 | 34,647,000 | 36,087,000 | 35,774,000 |