Call reports 2004
FARMERS STATE BANK — 2004
What FARMERS STATE 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 | 73,415,000 | 74,886,000 | 74,274,000 | 74,749,000 |
| Total loans | 44,894,000 | 47,390,000 | 48,903,000 | 50,645,000 |
| Allowance for loan losses | 462,000 | 526,000 | 466,000 | 501,000 |
| Securities available for sale | 21,623,000 | 21,659,000 | 21,877,000 | 20,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,451,000 | 65,481,000 | 64,890,000 | 65,211,000 |
| Interest-bearing deposits | 58,497,000 | 59,668,000 | 58,947,000 | 58,289,000 |
| Noninterest-bearing deposits | 4,954,000 | 5,813,000 | 5,943,000 | 6,922,000 |
| Equity capital | 9,381,000 | 9,221,000 | 9,111,000 | 9,101,000 |
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 | 1,033,000 | 2,071,000 | 3,143,000 | 4,205,000 |
| Interest expense | 319,000 | 631,000 | 950,000 | 1,265,000 |
| Net interest income | 714,000 | 1,440,000 | 2,193,000 | 2,940,000 |
| Noninterest income | 43,000 | 94,000 | 139,000 | 184,000 |
| Noninterest expense | 454,000 | 885,000 | 1,360,000 | 1,875,000 |
| Provision for loan losses | 38,000 | 98,000 | 158,000 | 218,000 |
| Pretax income | 265,000 | 551,000 | 814,000 | 1,031,000 |
| Income tax | 68,000 | 143,000 | 213,000 | 271,000 |
| Net income | 197,000 | 408,000 | 601,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,026,000 | 9,152,000 | 8,917,000 | 9,004,000 |
| Total capital | 9,488,000 | 9,678,000 | 9,383,000 | 9,505,000 |
| Risk-weighted assets | 45,850,000 | 48,098,000 | 51,859,000 | 51,199,000 |