Call reports 2004
FARMERS BANK — 2004
What FARMERS 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 | 39,160,000 | 37,781,000 | 37,475,000 | 36,029,000 |
| Total loans | 15,374,000 | 15,399,000 | 14,738,000 | 14,834,000 |
| Allowance for loan losses | 361,000 | 335,000 | 330,000 | 337,000 |
| Securities available for sale | 10,030,000 | 13,132,000 | 13,156,000 | 14,578,000 |
| Securities held to maturity | 1,031,000 | 881,000 | 12,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,539,000 | 33,233,000 | 32,900,000 | 31,414,000 |
| Interest-bearing deposits | 28,566,000 | 27,412,000 | 27,085,000 | 25,852,000 |
| Noninterest-bearing deposits | 5,973,000 | 5,821,000 | 5,815,000 | 5,562,000 |
| Equity capital | 4,511,000 | 4,459,000 | 4,497,000 | 4,547,000 |
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 | 416,000 | 802,000 | 1,180,000 | 1,557,000 |
| Interest expense | 130,000 | 239,000 | 335,000 | 417,000 |
| Net interest income | 286,000 | 563,000 | 845,000 | 1,140,000 |
| Noninterest income | 60,000 | 125,000 | 222,000 | 309,000 |
| Noninterest expense | 454,000 | 742,000 | 1,217,000 | 1,539,000 |
| Provision for loan losses | 103,000 | 103,000 | 103,000 | 103,000 |
| Pretax income | -211,000 | -157,000 | -180,000 | -120,000 |
| Income tax | 0 | 0 | 0 | -34,000 |
| Net income | -211,000 | -157,000 | -180,000 | -86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,634,000 | 2,639,000 | 2,629,000 | 2,685,000 |
| Total capital | 2,867,000 | 2,889,000 | 2,847,000 | 2,940,000 |
| Risk-weighted assets | 18,502,000 | 20,482,000 | 17,249,000 | 19,770,000 |