Call reports 2004
FARMERS STATE BANK OF WATKINS — 2004
What FARMERS STATE BANK OF WATKINS 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 | 29,754,000 | 29,720,000 | 30,014,000 | 31,805,000 |
| Total loans | 12,806,000 | 14,962,000 | 15,819,000 | 15,371,000 |
| Allowance for loan losses | 180,000 | 185,000 | 183,000 | 175,000 |
| Securities available for sale | 8,299,000 | 7,546,000 | 6,529,000 | 6,520,000 |
| Securities held to maturity | 2,001,000 | 2,397,000 | 2,686,000 | 3,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,191,000 | 25,369,000 | 25,356,000 | 27,143,000 |
| Interest-bearing deposits | 21,856,000 | 21,823,000 | 21,919,000 | 22,777,000 |
| Noninterest-bearing deposits | 3,335,000 | 3,546,000 | 3,437,000 | 4,366,000 |
| Equity capital | 3,994,000 | 3,768,000 | 4,053,000 | 4,151,000 |
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 | 421,000 | 863,000 | 1,314,000 | 1,750,000 |
| Interest expense | 103,000 | 202,000 | 301,000 | 402,000 |
| Net interest income | 318,000 | 661,000 | 1,013,000 | 1,348,000 |
| Noninterest income | 59,000 | 125,000 | 182,000 | 245,000 |
| Noninterest expense | 195,000 | 387,000 | 572,000 | 800,000 |
| Provision for loan losses | 0 | 0 | 0 | 23,000 |
| Pretax income | 182,000 | 399,000 | 623,000 | 770,000 |
| Income tax | 0 | -4,000 | -4,000 | -4,000 |
| Net income | 182,000 | 403,000 | 627,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,892,000 | 3,933,000 | 4,060,000 | 4,206,000 |
| Total capital | 4,072,000 | 4,118,000 | 4,243,000 | 4,381,000 |
| Risk-weighted assets | 19,318,000 | 21,067,000 | 21,510,000 | 21,227,000 |