Call reports 2004
FARMERS BUILDING AND SAVINGS BANK — 2004
What FARMERS BUILDING AND SAVINGS 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 | 49,019,000 | 48,508,000 | 48,343,000 | 48,538,000 |
| Total loans | 21,706,000 | 21,408,000 | 22,886,000 | 23,827,000 |
| Allowance for loan losses | 85,000 | 85,000 | 85,000 | 85,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,650,000 | 15,272,000 | 15,507,000 | 14,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,139,000 | 38,520,000 | 38,148,000 | 38,143,000 |
| Interest-bearing deposits | 39,033,000 | 38,393,000 | 38,115,000 | 38,042,000 |
| Noninterest-bearing deposits | 106,000 | 127,000 | 33,000 | 101,000 |
| Equity capital | 9,366,000 | 9,541,000 | 9,695,000 | 9,865,000 |
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 | 585,000 | 1,146,000 | 1,705,000 | 2,345,000 |
| Interest expense | 145,000 | 289,000 | 434,000 | 592,000 |
| Net interest income | 440,000 | 857,000 | 1,271,000 | 1,753,000 |
| Noninterest income | 22,000 | 44,000 | 66,000 | 88,000 |
| Noninterest expense | 242,000 | 433,000 | 642,000 | 900,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 220,000 | 468,000 | 695,000 | 941,000 |
| Income tax | 73,000 | 146,000 | 219,000 | 295,000 |
| Net income | 147,000 | 322,000 | 476,000 | 646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,366,000 | 9,541,000 | 9,695,000 | 9,865,000 |
| Total capital | 9,451,000 | 9,626,000 | 9,780,000 | 9,950,000 |
| Risk-weighted assets | 19,127,000 | 19,390,000 | 19,870,000 | 19,967,000 |