Call reports 2005
FARMERS STATE BANK OF UNDERWOOD — 2005
What FARMERS STATE BANK OF UNDERWOOD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 34,945,000 | 36,040,000 | 38,157,000 | 39,174,000 |
| Total loans | 24,709,000 | 26,422,000 | 26,102,000 | 26,390,000 |
| Allowance for loan losses | 317,000 | 312,000 | 309,000 | 325,000 |
| Securities available for sale | 6,592,000 | 6,335,000 | 6,096,000 | 6,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,118,000 | 30,934,000 | 33,234,000 | 34,646,000 |
| Interest-bearing deposits | 26,512,000 | 25,447,000 | 28,165,000 | 29,032,000 |
| Noninterest-bearing deposits | 4,606,000 | 5,487,000 | 5,069,000 | 5,614,000 |
| Equity capital | 2,792,000 | 2,647,000 | 2,704,000 | 2,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,046,000 | 1,598,000 | 2,168,000 |
| Interest expense | 149,000 | 308,000 | 479,000 | 698,000 |
| Net interest income | 358,000 | 738,000 | 1,119,000 | 1,470,000 |
| Noninterest income | 67,000 | 148,000 | 226,000 | 330,000 |
| Noninterest expense | 251,000 | 567,000 | 868,000 | 1,132,000 |
| Provision for loan losses | 0 | 0 | 0 | 17,000 |
| Pretax income | 174,000 | 319,000 | 477,000 | 651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 174,000 | 319,000 | 477,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,882,000 | 2,686,000 | 2,785,000 | 2,901,000 |
| Total capital | 3,199,000 | 2,998,000 | 3,094,000 | 3,226,000 |
| Risk-weighted assets | 25,903,000 | 27,156,000 | 27,403,000 | 27,736,000 |
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