Call reports 2003
FARMERS STATE BANK OF DENT — 2003
What FARMERS STATE BANK OF DENT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,721,000 | 24,546,000 | 24,739,000 | 24,223,000 |
| Total loans | 15,611,000 | 15,985,000 | 15,455,000 | 15,418,000 |
| Allowance for loan losses | 197,000 | 199,000 | 190,000 | 185,000 |
| Securities available for sale | 1,857,000 | 4,216,000 | 3,954,000 | 3,937,000 |
| Securities held to maturity | 1,436,000 | 1,087,000 | 1,547,000 | 1,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,649,000 | 22,440,000 | 22,605,000 | 22,008,000 |
| Interest-bearing deposits | 17,951,000 | 18,973,000 | 18,702,000 | 18,604,000 |
| Noninterest-bearing deposits | 2,698,000 | 3,467,000 | 3,903,000 | 3,404,000 |
| Equity capital | 1,673,000 | 1,740,000 | 1,788,000 | 1,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 376,000 | 755,000 | 1,131,000 | 1,498,000 |
| Interest expense | 104,000 | 206,000 | 296,000 | 383,000 |
| Net interest income | 272,000 | 549,000 | 835,000 | 1,115,000 |
| Noninterest income | 29,000 | 58,000 | 97,000 | 139,000 |
| Noninterest expense | 215,000 | 434,000 | 666,000 | 910,000 |
| Provision for loan losses | 0 | 29,000 | 36,000 | 73,000 |
| Pretax income | 86,000 | 144,000 | 229,000 | 269,000 |
| Income tax | 60,000 | 60,000 | 60,000 | 48,000 |
| Net income | 26,000 | 84,000 | 169,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,637,000 | 1,695,000 | 1,780,000 | 1,832,000 |
| Total capital | 1,820,000 | 1,887,000 | 1,970,000 | 2,017,000 |
| Risk-weighted assets | 14,649,000 | 15,380,000 | 15,460,000 | 15,406,000 |