Call reports 2004
FARMERS STATE BANK & TRUST COMPANY — 2004
What FARMERS STATE BANK & TRUST COMPANY 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 | 58,312,000 | 58,062,000 | 56,815,000 | 59,359,000 |
| Total loans | 27,752,000 | 30,732,000 | 31,912,000 | 33,882,000 |
| Allowance for loan losses | 518,000 | 537,000 | 552,000 | 643,000 |
| Securities available for sale | 17,751,000 | 16,684,000 | 14,753,000 | 13,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,736,000 | 50,544,000 | 48,982,000 | 51,695,000 |
| Interest-bearing deposits | 40,699,000 | 39,815,000 | 38,906,000 | 39,921,000 |
| Noninterest-bearing deposits | 10,037,000 | 10,729,000 | 10,076,000 | 11,774,000 |
| Equity capital | 7,208,000 | 7,131,000 | 7,356,000 | 7,179,000 |
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 | 695,000 | 1,410,000 | 2,152,000 | 2,920,000 |
| Interest expense | 122,000 | 235,000 | 348,000 | 464,000 |
| Net interest income | 573,000 | 1,175,000 | 1,804,000 | 2,456,000 |
| Noninterest income | 150,000 | 318,000 | 483,000 | 666,000 |
| Noninterest expense | 612,000 | 1,197,000 | 1,822,000 | 2,580,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 150,000 |
| Pretax income | 112,000 | 297,000 | 416,000 | 393,000 |
| Income tax | 25,000 | 64,000 | 70,000 | 83,000 |
| Net income | 87,000 | 233,000 | 346,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,052,000 | 7,170,000 | 7,283,000 | 7,135,000 |
| Total capital | 7,436,000 | 7,603,000 | 7,723,000 | 7,595,000 |
| Risk-weighted assets | 30,567,000 | 34,512,000 | 35,052,000 | 36,617,000 |