Call reports 2004
FARMERS STATE BANK OF DENT — 2004
What FARMERS STATE BANK OF DENT 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 | 24,220,000 | 24,553,000 | 24,297,000 | 24,131,000 |
| Total loans | 15,527,000 | 16,262,000 | 16,011,000 | 15,853,000 |
| Allowance for loan losses | 189,000 | 260,000 | 260,000 | 260,000 |
| Securities available for sale | 2,615,000 | 3,032,000 | 2,979,000 | 2,857,000 |
| Securities held to maturity | 1,178,000 | 1,078,000 | 1,351,000 | 1,351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,957,000 | 22,727,000 | 22,329,000 | 22,126,000 |
| Interest-bearing deposits | 18,896,000 | 18,803,000 | 17,934,000 | 17,830,000 |
| Noninterest-bearing deposits | 3,061,000 | 3,924,000 | 4,395,000 | 4,296,000 |
| Equity capital | 1,890,000 | 1,699,000 | 1,832,000 | 1,865,000 |
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 | 340,000 | 733,000 | 1,098,000 | 1,485,000 |
| Interest expense | 80,000 | 156,000 | 228,000 | 302,000 |
| Net interest income | 260,000 | 577,000 | 870,000 | 1,183,000 |
| Noninterest income | 40,000 | 35,000 | 51,000 | 73,000 |
| Noninterest expense | 233,000 | 495,000 | 717,000 | 983,000 |
| Provision for loan losses | 5,000 | 91,000 | 91,000 | 91,000 |
| Pretax income | 62,000 | 26,000 | 116,000 | 186,000 |
| Income tax | -18,000 | -18,000 | -18,000 | -18,000 |
| Net income | 80,000 | 44,000 | 134,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,868,000 | 1,762,000 | 1,852,000 | 1,907,000 |
| Total capital | 2,057,000 | 1,967,000 | 2,056,000 | 2,105,000 |
| Risk-weighted assets | 15,254,000 | 16,345,000 | 16,252,000 | 15,786,000 |