Call reports 2003
FARMERS STATE BANK OF WATKINS — 2003
What FARMERS STATE BANK OF WATKINS 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 | 28,166,000 | 28,599,000 | 29,297,000 | 30,609,000 |
| Total loans | 13,029,000 | 14,314,000 | 15,143,000 | 13,639,000 |
| Allowance for loan losses | 192,000 | 192,000 | 193,000 | 174,000 |
| Securities available for sale | 7,716,000 | 8,133,000 | 7,467,000 | 8,991,000 |
| Securities held to maturity | 1,978,000 | 2,047,000 | 1,957,000 | 1,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,580,000 | 23,932,000 | 24,583,000 | 25,883,000 |
| Interest-bearing deposits | 20,460,000 | 20,558,000 | 21,168,000 | 21,990,000 |
| Noninterest-bearing deposits | 3,120,000 | 3,374,000 | 3,415,000 | 3,893,000 |
| Equity capital | 4,024,000 | 4,066,000 | 4,093,000 | 4,176,000 |
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 | 436,000 | 875,000 | 1,320,000 | 1,777,000 |
| Interest expense | 126,000 | 247,000 | 360,000 | 468,000 |
| Net interest income | 310,000 | 628,000 | 960,000 | 1,309,000 |
| Noninterest income | 80,000 | 138,000 | 199,000 | 255,000 |
| Noninterest expense | 189,000 | 382,000 | 567,000 | 805,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 201,000 | 384,000 | 592,000 | 759,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 384,000 | 592,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,813,000 | 3,826,000 | 3,942,000 | 4,051,000 |
| Total capital | 4,005,000 | 4,018,000 | 4,135,000 | 4,225,000 |
| Risk-weighted assets | 19,269,000 | 20,336,000 | 21,182,000 | 20,529,000 |