Call reports 2004
FARMERS SAVINGS BANK — 2004
What FARMERS SAVINGS 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 | 38,539,000 | 40,209,000 | 41,067,000 | 40,696,000 |
| Total loans | 22,739,000 | 25,232,000 | 26,732,000 | 26,996,000 |
| Allowance for loan losses | 254,000 | 279,000 | 289,000 | 290,000 |
| Securities available for sale | 8,677,000 | 8,349,000 | 7,461,000 | 7,006,000 |
| Securities held to maturity | 4,932,000 | 4,529,000 | 4,796,000 | 4,634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,861,000 | 32,696,000 | 33,301,000 | 34,286,000 |
| Interest-bearing deposits | 28,147,000 | 27,954,000 | 28,973,000 | 29,399,000 |
| Noninterest-bearing deposits | 4,714,000 | 4,742,000 | 4,328,000 | 4,887,000 |
| Equity capital | 3,572,000 | 3,556,000 | 3,641,000 | 3,610,000 |
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 | 475,000 | 954,000 | 1,468,000 | 1,991,000 |
| Interest expense | 170,000 | 334,000 | 507,000 | 690,000 |
| Net interest income | 305,000 | 620,000 | 961,000 | 1,301,000 |
| Noninterest income | 38,000 | 70,000 | 103,000 | 168,000 |
| Noninterest expense | 287,000 | 520,000 | 789,000 | 1,071,000 |
| Provision for loan losses | 0 | 26,000 | 35,000 | 35,000 |
| Pretax income | 56,000 | 153,000 | 249,000 | 372,000 |
| Income tax | 11,000 | 36,000 | 63,000 | 92,000 |
| Net income | 45,000 | 117,000 | 186,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,497,000 | 3,569,000 | 3,639,000 | 3,634,000 |
| Total capital | 3,751,000 | 3,848,000 | 3,928,000 | 3,924,000 |
| Risk-weighted assets | 21,348,000 | 23,340,000 | 24,523,000 | 24,233,000 |