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 | 14,107,000 | 14,045,000 | 14,843,000 | 14,574,000 |
| Total loans | 10,764,000 | 11,096,000 | 11,212,000 | 11,226,000 |
| Allowance for loan losses | 140,000 | 149,000 | 169,000 | 178,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,154,000 | 2,454,000 | 2,854,000 | 2,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,716,000 | 12,226,000 | 12,302,000 | 12,933,000 |
| Interest-bearing deposits | 11,974,000 | 11,117,000 | 11,514,000 | 11,958,000 |
| Noninterest-bearing deposits | 742,000 | 1,109,000 | 788,000 | 975,000 |
| Equity capital | 1,311,000 | 1,327,000 | 1,360,000 | 1,387,000 |
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 | 206,000 | 410,000 | 624,000 | 839,000 |
| Interest expense | 61,000 | 117,000 | 179,000 | 247,000 |
| Net interest income | 145,000 | 293,000 | 445,000 | 592,000 |
| Noninterest income | 14,000 | 22,000 | 41,000 | 56,000 |
| Noninterest expense | 104,000 | 232,000 | 346,000 | 457,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 46,000 | 65,000 | 113,000 | 155,000 |
| Income tax | 14,000 | 17,000 | 32,000 | 47,000 |
| Net income | 32,000 | 48,000 | 81,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,311,000 | 1,327,000 | 1,360,000 | 1,387,000 |
| Total capital | 1,442,000 | 1,459,000 | 1,493,000 | 1,523,000 |
| Risk-weighted assets | 10,464,000 | 10,534,000 | 10,610,000 | 10,827,000 |