Call reports 2004
FARMERS BANK, WINDSOR VA — 2004
What FARMERS BANK, WINDSOR VA 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 | 204,066,000 | 220,718,000 | 215,613,000 | 226,131,000 |
| Total loans | 130,822,000 | 139,256,000 | 140,817,000 | 146,474,000 |
| Allowance for loan losses | 1,409,000 | 1,606,000 | 1,606,000 | 1,617,000 |
| Securities available for sale | 54,450,000 | 57,010,000 | 58,161,000 | 64,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,167,000 | 198,318,000 | 192,322,000 | 203,002,000 |
| Interest-bearing deposits | 154,466,000 | 163,731,000 | 162,432,000 | 170,510,000 |
| Noninterest-bearing deposits | 26,701,000 | 34,587,000 | 29,890,000 | 32,492,000 |
| Equity capital | 21,035,000 | 20,781,000 | 21,754,000 | 21,980,000 |
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 | 2,504,000 | 5,126,000 | 7,878,000 | 10,831,000 |
| Interest expense | 801,000 | 1,672,000 | 2,615,000 | 3,601,000 |
| Net interest income | 1,703,000 | 3,454,000 | 5,263,000 | 7,230,000 |
| Noninterest income | 126,000 | 601,000 | 762,000 | 988,000 |
| Noninterest expense | 946,000 | 2,005,000 | 3,037,000 | 4,164,000 |
| Provision for loan losses | 0 | 200,000 | 200,000 | 235,000 |
| Pretax income | 883,000 | 1,850,000 | 2,789,000 | 3,820,000 |
| Income tax | 284,000 | 651,000 | 952,000 | 1,240,000 |
| Net income | 599,000 | 1,199,000 | 1,837,000 | 2,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,273,000 | 20,585,000 | 21,222,000 | 21,653,000 |
| Total capital | 21,682,000 | 22,191,000 | 22,828,000 | 23,270,000 |
| Risk-weighted assets | 139,429,000 | 149,321,000 | 149,085,000 | 155,621,000 |