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 | 196,920,000 | 196,252,000 | 201,310,000 | 208,268,000 |
| Total loans | 112,262,000 | 118,048,000 | 122,568,000 | 122,159,000 |
| Allowance for loan losses | 1,914,000 | 1,873,000 | 1,797,000 | 1,659,000 |
| Securities available for sale | 51,132,000 | 50,373,000 | 51,792,000 | 52,457,000 |
| Securities held to maturity | 3,774,000 | 3,336,000 | 2,864,000 | 2,854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,455,000 | 173,858,000 | 177,243,000 | 184,821,000 |
| Interest-bearing deposits | 143,101,000 | 142,557,000 | 140,999,000 | 146,611,000 |
| Noninterest-bearing deposits | 30,354,000 | 31,301,000 | 36,244,000 | 38,210,000 |
| Equity capital | 23,062,000 | 21,912,000 | 23,398,000 | 23,137,000 |
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 | 2,558,000 | 5,060,000 | 7,731,000 | 10,396,000 |
| Interest expense | 597,000 | 1,162,000 | 1,730,000 | 2,349,000 |
| Net interest income | 1,961,000 | 3,898,000 | 6,001,000 | 8,047,000 |
| Noninterest income | 462,000 | 1,050,000 | 1,604,000 | 2,126,000 |
| Noninterest expense | 1,593,000 | 3,273,000 | 4,958,000 | 6,538,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 705,000 | 1,548,000 | 2,520,000 | 3,508,000 |
| Income tax | 18,000 | 38,000 | 58,000 | 73,000 |
| Net income | 687,000 | 1,510,000 | 2,462,000 | 3,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,554,000 | 19,905,000 | 20,573,000 | 20,628,000 |
| Total capital | 21,030,000 | 21,450,000 | 22,184,000 | 22,249,000 |
| Risk-weighted assets | 117,650,000 | 123,830,000 | 128,700,000 | 129,683,000 |