Call reports 2004
FARMERS SAVINGS BANK — 2004
What FARMERS SAVINGS BANK 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 | 42,247,000 | 41,952,000 | 40,753,000 | 40,049,000 |
| Total loans | 14,931,000 | 16,181,000 | 15,952,000 | 17,733,000 |
| Allowance for loan losses | 511,000 | 511,000 | 508,000 | 510,000 |
| Securities available for sale | 23,014,000 | 21,914,000 | 21,271,000 | 19,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,189,000 | 33,636,000 | 32,663,000 | 33,162,000 |
| Interest-bearing deposits | 29,838,000 | 29,840,000 | 29,128,000 | 28,788,000 |
| Noninterest-bearing deposits | 3,351,000 | 3,796,000 | 3,535,000 | 4,374,000 |
| Equity capital | 3,979,000 | 3,238,000 | 3,995,000 | 3,849,000 |
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 | 527,000 | 1,090,000 | 1,640,000 | 2,182,000 |
| Interest expense | 238,000 | 472,000 | 694,000 | 908,000 |
| Net interest income | 289,000 | 618,000 | 946,000 | 1,274,000 |
| Noninterest income | 116,000 | 197,000 | 306,000 | 387,000 |
| Noninterest expense | 288,000 | 569,000 | 861,000 | 1,219,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 242,000 | 389,000 | 428,000 |
| Income tax | 7,000 | 19,000 | 26,000 | 21,000 |
| Net income | 105,000 | 223,000 | 363,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,704,000 | 3,822,000 | 3,962,000 | 3,939,000 |
| Total capital | 3,955,000 | 4,088,000 | 4,219,000 | 4,216,000 |
| Risk-weighted assets | 19,833,000 | 21,047,000 | 20,335,000 | 21,891,000 |