Call reports 2008
FARMERS STATE BANK OF EMDEN — 2008
What FARMERS STATE BANK OF EMDEN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 33,178,000 | 32,041,000 | 31,631,000 | 32,965,000 |
| Total loans | 4,987,000 | 5,368,000 | 6,284,000 | 6,734,000 |
| Allowance for loan losses | 55,000 | 55,000 | 55,000 | 55,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,074,000 | 20,736,000 | 18,080,000 | 15,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,949,000 | 23,755,000 | 23,255,000 | 24,671,000 |
| Interest-bearing deposits | 22,553,000 | 21,904,000 | 21,071,000 | 22,265,000 |
| Noninterest-bearing deposits | 2,396,000 | 1,851,000 | 2,184,000 | 2,406,000 |
| Equity capital | 7,996,000 | 8,046,000 | 8,112,000 | 8,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 366,000 | 703,000 | 1,046,000 | 1,366,000 |
| Interest expense | 170,000 | 326,000 | 469,000 | 609,000 |
| Net interest income | 196,000 | 377,000 | 577,000 | 757,000 |
| Noninterest income | 6,000 | 13,000 | 28,000 | 41,000 |
| Noninterest expense | 136,000 | 260,000 | 395,000 | 533,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 131,000 | 211,000 | 266,000 |
| Income tax | 15,000 | 29,000 | 43,000 | 56,000 |
| Net income | 52,000 | 102,000 | 168,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,996,000 | 8,046,000 | 8,112,000 | 8,074,000 |
| Total capital | 8,051,000 | 8,101,000 | 8,167,000 | 8,129,000 |
| Risk-weighted assets | 13,086,000 | 13,515,000 | 14,350,000 | 14,700,000 |
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