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 | 225,219,000 | 226,914,000 | 235,577,000 | 237,992,000 |
| Total loans | 127,820,000 | 141,144,000 | 143,299,000 | 145,500,000 |
| Allowance for loan losses | 2,257,000 | 2,064,000 | 2,108,000 | 2,154,000 |
| Securities available for sale | 66,433,000 | 61,658,000 | 64,839,000 | 70,846,000 |
| Securities held to maturity | 297,000 | 287,000 | 274,000 | 266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,908,000 | 198,447,000 | 204,938,000 | 207,596,000 |
| Interest-bearing deposits | 165,507,000 | 166,137,000 | 170,226,000 | 173,413,000 |
| Noninterest-bearing deposits | 30,401,000 | 32,310,000 | 34,712,000 | 34,183,000 |
| Equity capital | 24,940,000 | 24,504,000 | 25,741,000 | 26,019,000 |
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 | 2,856,000 | 5,745,000 | 8,886,000 | 12,047,000 |
| Interest expense | 629,000 | 1,252,000 | 1,889,000 | 2,562,000 |
| Net interest income | 2,227,000 | 4,493,000 | 6,997,000 | 9,485,000 |
| Noninterest income | 631,000 | 1,289,000 | 1,970,000 | 2,658,000 |
| Noninterest expense | 2,006,000 | 3,997,000 | 6,047,000 | 8,182,000 |
| Provision for loan losses | 115,000 | 278,000 | 394,000 | 505,000 |
| Pretax income | 737,000 | 1,507,000 | 2,523,000 | 3,461,000 |
| Income tax | 244,000 | 508,000 | 865,000 | 1,055,000 |
| Net income | 493,000 | 999,000 | 1,658,000 | 2,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,918,000 | 24,424,000 | 25,083,000 | 25,646,000 |
| Total capital | 25,843,000 | 26,472,000 | 27,153,000 | 27,775,000 |
| Risk-weighted assets | 153,667,000 | 163,853,000 | 165,555,000 | 170,330,000 |