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 | 29,914,000 | 30,891,000 | 30,773,000 | 31,092,000 |
| Total loans | 15,492,000 | 15,438,000 | 15,683,000 | 15,126,000 |
| Allowance for loan losses | 361,000 | 363,000 | 306,000 | 322,000 |
| Securities available for sale | 11,336,000 | 10,646,000 | 11,520,000 | 10,894,000 |
| Securities held to maturity | 1,397,000 | 1,542,000 | 1,409,000 | 1,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,080,000 | 28,112,000 | 26,881,000 | 28,149,000 |
| Interest-bearing deposits | 24,501,000 | 25,722,000 | 24,924,000 | 23,726,000 |
| Noninterest-bearing deposits | 2,579,000 | 2,390,000 | 1,957,000 | 4,423,000 |
| Equity capital | 2,439,000 | 2,395,000 | 2,547,000 | 2,533,000 |
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 | 395,000 | 833,000 | 1,238,000 | 1,684,000 |
| Interest expense | 155,000 | 311,000 | 479,000 | 644,000 |
| Net interest income | 240,000 | 522,000 | 759,000 | 1,040,000 |
| Noninterest income | 24,000 | 51,000 | 69,000 | 83,000 |
| Noninterest expense | 201,000 | 385,000 | 578,000 | 750,000 |
| Provision for loan losses | 20,000 | 20,000 | -30,000 | -18,000 |
| Pretax income | 47,000 | 172,000 | 284,000 | 396,000 |
| Income tax | 15,000 | 62,000 | 74,000 | 128,000 |
| Net income | 32,000 | 110,000 | 210,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,384,000 | 2,462,000 | 2,562,000 | 2,579,000 |
| Total capital | 2,596,000 | 2,676,000 | 2,772,000 | 2,782,000 |
| Risk-weighted assets | 16,779,000 | 16,979,000 | 16,672,000 | 16,138,000 |