Call reports 2016
FARMERS STATE BANK OF EMDEN — 2016
What FARMERS STATE BANK OF EMDEN reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 36,543,000 | 36,177,000 | 36,935,000 | 36,612,000 |
| Total loans | 12,236,000 | 11,575,000 | 11,848,000 | 12,134,000 |
| Allowance for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,435,000 | 21,645,000 | 20,342,000 | 19,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,622,000 | 26,759,000 | 27,437,000 | 27,185,000 |
| Interest-bearing deposits | 22,807,000 | 23,095,000 | 23,541,000 | 22,897,000 |
| Noninterest-bearing deposits | 3,815,000 | 3,664,000 | 3,896,000 | 4,288,000 |
| Equity capital | 9,128,000 | 9,174,000 | 9,224,000 | 9,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 239,000 | 470,000 | 703,000 | 930,000 |
| Interest expense | 19,000 | 37,000 | 54,000 | 71,000 |
| Net interest income | 220,000 | 433,000 | 649,000 | 859,000 |
| Noninterest income | 5,000 | 10,000 | 20,000 | 29,000 |
| Noninterest expense | 178,000 | 335,000 | 494,000 | 641,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 108,000 | 175,000 | 247,000 |
| Income tax | 13,000 | 28,000 | 45,000 | 63,000 |
| Net income | 34,000 | 80,000 | 130,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,128,000 | 9,174,000 | 9,224,000 | 9,188,000 |
| Total capital | 9,203,000 | 9,249,000 | 9,299,000 | 9,263,000 |
| Risk-weighted assets | 19,781,000 | 19,142,000 | 19,653,000 | 19,468,000 |