Call reports 2004
FARMERS & TRADERS STATE BANK — 2004
What FARMERS & TRADERS 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 | 30,476,000 | 31,737,000 | 33,214,000 | 33,067,000 |
| Total loans | 14,739,000 | 14,943,000 | 15,437,000 | 16,228,000 |
| Allowance for loan losses | 198,000 | 198,000 | 196,000 | 189,000 |
| Securities available for sale | 10,624,000 | 10,615,000 | 11,723,000 | 13,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,556,000 | 24,946,000 | 26,211,000 | 26,141,000 |
| Interest-bearing deposits | 20,496,000 | 21,496,000 | 22,939,000 | 22,071,000 |
| Noninterest-bearing deposits | 3,059,000 | 3,450,000 | 3,272,000 | 4,070,000 |
| Equity capital | 4,848,000 | 4,689,000 | 4,876,000 | 4,857,000 |
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 | 389,000 | 769,000 | 1,160,000 | 1,571,000 |
| Interest expense | 100,000 | 194,000 | 295,000 | 403,000 |
| Net interest income | 289,000 | 575,000 | 865,000 | 1,168,000 |
| Noninterest income | 25,000 | 43,000 | 61,000 | 83,000 |
| Noninterest expense | 219,000 | 435,000 | 655,000 | 905,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 196,000 | 275,000 | 346,000 |
| Income tax | 0 | 0 | 0 | 4,000 |
| Net income | 108,000 | 196,000 | 275,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,784,000 | 4,827,000 | 4,884,000 | 4,951,000 |
| Total capital | 4,982,000 | 5,025,000 | 5,080,000 | 5,140,000 |
| Risk-weighted assets | 16,774,000 | 17,084,000 | 17,738,000 | 18,541,000 |