Call reports 2004
FARMERS STATE BANK — 2004
What FARMERS STATE 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 | 14,430,000 | 14,863,000 | 15,253,000 | 15,897,000 |
| Total loans | 6,205,000 | 6,412,000 | 6,325,000 | 6,056,000 |
| Allowance for loan losses | 129,000 | 126,000 | 132,000 | 135,000 |
| Securities available for sale | 5,363,000 | 4,774,000 | 4,592,000 | 5,057,000 |
| Securities held to maturity | 201,000 | 201,000 | 701,000 | 701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,938,000 | 12,432,000 | 12,762,000 | 13,414,000 |
| Interest-bearing deposits | 5,533,000 | 5,833,000 | 5,900,000 | 5,830,000 |
| Noninterest-bearing deposits | 6,405,000 | 6,599,000 | 6,862,000 | 7,584,000 |
| Equity capital | 2,473,000 | 2,431,000 | 2,481,000 | 2,481,000 |
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 | 181,000 | 348,000 | 540,000 | 725,000 |
| Interest expense | 6,000 | 12,000 | 18,000 | 24,000 |
| Net interest income | 175,000 | 336,000 | 522,000 | 701,000 |
| Noninterest income | 21,000 | 43,000 | 67,000 | 91,000 |
| Noninterest expense | 162,000 | 326,000 | 482,000 | 669,000 |
| Provision for loan losses | 5,000 | 10,000 | 20,000 | 30,000 |
| Pretax income | 29,000 | 43,000 | 87,000 | 93,000 |
| Income tax | 7,000 | 9,000 | 21,000 | 20,000 |
| Net income | 22,000 | 34,000 | 66,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,459,000 | 2,471,000 | 2,503,000 | 2,510,000 |
| Total capital | 2,542,000 | 2,560,000 | 2,591,000 | 2,597,000 |
| Risk-weighted assets | 6,615,000 | 7,048,000 | 6,972,000 | 6,928,000 |