Call reports 2003
FARMERS STATE BANK — 2003
What FARMERS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 218,629,000 | 214,031,000 | 221,534,000 | 220,915,000 |
| Total loans | 120,942,000 | 120,862,000 | 119,814,000 | 115,718,000 |
| Allowance for loan losses | 1,876,000 | 1,946,000 | 2,124,000 | 2,201,000 |
| Securities available for sale | 71,251,000 | 69,901,000 | 74,439,000 | 83,089,000 |
| Securities held to maturity | 408,000 | 371,000 | 338,000 | 318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,787,000 | 185,630,000 | 194,059,000 | 193,739,000 |
| Interest-bearing deposits | 160,068,000 | 159,843,000 | 163,663,000 | 163,463,000 |
| Noninterest-bearing deposits | 25,719,000 | 25,787,000 | 30,396,000 | 30,276,000 |
| Equity capital | 22,767,000 | 23,054,000 | 23,388,000 | 24,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,995,000 | 5,803,000 | 8,573,000 | 11,464,000 |
| Interest expense | 852,000 | 1,668,000 | 2,364,000 | 3,028,000 |
| Net interest income | 2,143,000 | 4,135,000 | 6,209,000 | 8,436,000 |
| Noninterest income | 641,000 | 1,359,000 | 2,122,000 | 2,817,000 |
| Noninterest expense | 1,870,000 | 3,817,000 | 5,795,000 | 7,750,000 |
| Provision for loan losses | 112,000 | 360,000 | 625,000 | 783,000 |
| Pretax income | 802,000 | 1,375,000 | 1,967,000 | 2,777,000 |
| Income tax | 269,000 | 406,000 | 588,000 | 755,000 |
| Net income | 533,000 | 969,000 | 1,379,000 | 2,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,036,000 | 22,472,000 | 22,882,000 | 23,425,000 |
| Total capital | 23,866,000 | 24,302,000 | 24,721,000 | 25,253,000 |
| Risk-weighted assets | 146,384,000 | 146,302,000 | 146,852,000 | 145,893,000 |