Call reports 2004
FARMERS BANK — 2004
What FARMERS 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 | 19,043,000 | 18,784,000 | 19,327,000 | 19,529,000 |
| Total loans | 13,012,000 | 12,958,000 | 11,667,000 | 11,484,000 |
| Allowance for loan losses | 149,000 | 155,000 | 162,000 | 163,000 |
| Securities available for sale | 2,000 | 83,000 | 837,000 | 1,436,000 |
| Securities held to maturity | 3,579,000 | 3,554,000 | 3,514,000 | 3,439,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,779,000 | 17,485,000 | 18,029,000 | 18,216,000 |
| Interest-bearing deposits | 15,015,000 | 14,658,000 | 15,058,000 | 15,263,000 |
| Noninterest-bearing deposits | 2,764,000 | 2,827,000 | 2,971,000 | 2,953,000 |
| Equity capital | 1,197,000 | 1,207,000 | 1,235,000 | 1,238,000 |
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 | 269,000 | 544,000 | 807,000 | 1,074,000 |
| Interest expense | 76,000 | 153,000 | 228,000 | 304,000 |
| Net interest income | 193,000 | 391,000 | 579,000 | 770,000 |
| Noninterest income | 44,000 | 82,000 | 121,000 | 161,000 |
| Noninterest expense | 218,000 | 431,000 | 651,000 | 891,000 |
| Provision for loan losses | 3,000 | 9,000 | 16,000 | 17,000 |
| Pretax income | 16,000 | 33,000 | 33,000 | 23,000 |
| Income tax | -6,000 | -11,000 | -24,000 | -41,000 |
| Net income | 22,000 | 44,000 | 57,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,197,000 | 1,219,000 | 1,232,000 | 1,239,000 |
| Total capital | 1,346,000 | 1,374,000 | 1,384,000 | 1,393,000 |
| Risk-weighted assets | 12,826,000 | 12,972,000 | 12,169,000 | 12,287,000 |