Call reports 2002
FARMERS STATE BANK OF WATKINS — 2002
What FARMERS STATE BANK OF WATKINS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 26,842,000 | 27,374,000 | 27,220,000 | 27,501,000 |
| Total loans | 13,695,000 | 13,744,000 | 13,769,000 | 13,430,000 |
| Allowance for loan losses | 190,000 | 191,000 | 191,000 | 190,000 |
| Securities available for sale | 6,252,000 | 7,354,000 | 7,808,000 | 7,800,000 |
| Securities held to maturity | 2,046,000 | 2,071,000 | 2,204,000 | 1,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,460,000 | 22,813,000 | 22,468,000 | 22,820,000 |
| Interest-bearing deposits | 19,946,000 | 20,127,000 | 19,612,000 | 19,635,000 |
| Noninterest-bearing deposits | 2,514,000 | 2,686,000 | 2,856,000 | 3,185,000 |
| Equity capital | 3,828,000 | 3,942,000 | 4,088,000 | 4,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 453,000 | 925,000 | 1,397,000 | 1,855,000 |
| Interest expense | 173,000 | 339,000 | 489,000 | 628,000 |
| Net interest income | 280,000 | 586,000 | 908,000 | 1,227,000 |
| Noninterest income | 43,000 | 84,000 | 133,000 | 192,000 |
| Noninterest expense | 220,000 | 445,000 | 662,000 | 905,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 103,000 | 225,000 | 363,000 | 498,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 5,000 |
| Net income | 101,000 | 222,000 | 359,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,668,000 | 3,694,000 | 3,766,000 | 3,900,000 |
| Total capital | 3,858,000 | 3,885,000 | 3,957,000 | 4,090,000 |
| Risk-weighted assets | 19,496,000 | 19,913,000 | 19,670,000 | 19,475,000 |