Call reports 2004
FARMERS SAVINGS BANK — 2004
What FARMERS 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 | 57,699,000 | 57,670,000 | 58,687,000 | 61,187,000 |
| Total loans | 27,434,000 | 25,910,000 | 26,066,000 | 25,771,000 |
| Allowance for loan losses | 474,000 | 472,000 | 473,000 | 486,000 |
| Securities available for sale | 25,813,000 | 27,489,000 | 28,265,000 | 31,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,405,000 | 47,116,000 | 46,406,000 | 46,144,000 |
| Interest-bearing deposits | 42,390,000 | 43,205,000 | 42,016,000 | 40,802,000 |
| Noninterest-bearing deposits | 4,015,000 | 3,911,000 | 4,390,000 | 5,342,000 |
| Equity capital | 8,158,000 | 7,786,000 | 8,294,000 | 8,237,000 |
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 | 750,000 | 1,463,000 | 2,199,000 | 2,939,000 |
| Interest expense | 224,000 | 454,000 | 681,000 | 920,000 |
| Net interest income | 526,000 | 1,009,000 | 1,518,000 | 2,019,000 |
| Noninterest income | 28,000 | 66,000 | 114,000 | 153,000 |
| Noninterest expense | 295,000 | 580,000 | 862,000 | 1,261,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 280,000 | 516,000 | 791,000 | 934,000 |
| Income tax | 95,000 | 172,000 | 264,000 | 309,000 |
| Net income | 185,000 | 344,000 | 527,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,954,000 | 8,114,000 | 8,297,000 | 8,353,000 |
| Total capital | 8,387,000 | 8,528,000 | 8,720,000 | 8,782,000 |
| Risk-weighted assets | 34,581,000 | 33,088,000 | 33,765,000 | 34,210,000 |