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 | 33,057,000 | 36,168,000 | 38,194,000 | 38,072,000 |
| Total loans | 27,067,000 | 28,683,000 | 28,339,000 | 26,062,000 |
| Allowance for loan losses | 345,000 | 348,000 | 361,000 | 356,000 |
| Securities available for sale | 1,502,000 | 1,454,000 | 1,993,000 | 2,478,000 |
| Securities held to maturity | 1,145,000 | 1,095,000 | 1,288,000 | 1,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,792,000 | 30,275,000 | 32,832,000 | 34,745,000 |
| Interest-bearing deposits | 26,209,000 | 27,827,000 | 30,265,000 | 30,915,000 |
| Noninterest-bearing deposits | 2,583,000 | 2,448,000 | 2,567,000 | 3,830,000 |
| Equity capital | 2,877,000 | 2,821,000 | 3,060,000 | 3,119,000 |
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 | 524,000 | 1,085,000 | 1,682,000 | 2,223,000 |
| Interest expense | 121,000 | 244,000 | 381,000 | 508,000 |
| Net interest income | 403,000 | 841,000 | 1,301,000 | 1,715,000 |
| Noninterest income | 47,000 | 103,000 | 168,000 | 232,000 |
| Noninterest expense | 309,000 | 594,000 | 856,000 | 1,143,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 75,000 |
| Pretax income | 129,000 | 326,000 | 577,000 | 729,000 |
| Income tax | 44,000 | 66,000 | 99,000 | 95,000 |
| Net income | 85,000 | 260,000 | 478,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,876,000 | 2,851,000 | 3,068,000 | 3,144,000 |
| Total capital | 3,218,000 | 3,199,000 | 3,429,000 | 3,493,000 |
| Risk-weighted assets | 27,376,000 | 29,511,000 | 29,969,000 | 27,939,000 |