Call reports 2004
FARMERS STATE BANK OF OAKLEY, KANSAS, THE — 2004
What FARMERS STATE BANK OF OAKLEY, KANSAS, 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 | 72,836,000 | 72,685,000 | 72,300,000 | 73,930,000 |
| Total loans | 43,311,000 | 43,926,000 | 44,857,000 | 44,080,000 |
| Allowance for loan losses | 1,946,000 | 2,043,000 | 1,242,000 | 1,184,000 |
| Securities available for sale | 23,664,000 | 22,859,000 | 22,351,000 | 21,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,258,000 | 54,959,000 | 53,679,000 | 56,437,000 |
| Interest-bearing deposits | 48,053,000 | 48,095,000 | 46,471,000 | 49,045,000 |
| Noninterest-bearing deposits | 6,205,000 | 6,864,000 | 7,208,000 | 7,392,000 |
| Equity capital | 10,694,000 | 10,452,000 | 10,919,000 | 10,915,000 |
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 | 926,000 | 1,800,000 | 2,784,000 | 3,751,000 |
| Interest expense | 269,000 | 588,000 | 845,000 | 1,178,000 |
| Net interest income | 657,000 | 1,212,000 | 1,939,000 | 2,573,000 |
| Noninterest income | 75,000 | 136,000 | 240,000 | 351,000 |
| Noninterest expense | 460,000 | 868,000 | 1,341,000 | 1,848,000 |
| Provision for loan losses | 0 | 100,000 | 300,000 | 375,000 |
| Pretax income | 272,000 | 380,000 | 538,000 | 701,000 |
| Income tax | 72,000 | 91,000 | 51,000 | 123,000 |
| Net income | 200,000 | 289,000 | 487,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,146,000 | 10,300,000 | 10,498,000 | 10,589,000 |
| Total capital | 10,736,000 | 10,897,000 | 10,764,000 | 11,194,000 |
| Risk-weighted assets | 45,844,000 | 46,305,000 | 47,568,000 | 47,833,000 |