Call reports 2020
FARMERS STATE BANK OF EMDEN — 2020
What FARMERS STATE BANK OF EMDEN reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 33,862,000 | 35,578,000 | 37,622,000 | 36,802,000 |
| Total loans | 11,052,000 | 12,063,000 | 10,422,000 | 11,120,000 |
| Allowance for loan losses | 55,000 | 55,000 | 55,000 | 55,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,995,000 | 17,472,000 | 18,557,000 | 16,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,033,000 | 25,732,000 | 27,699,000 | 26,980,000 |
| Interest-bearing deposits | 20,109,000 | 21,468,000 | 23,602,000 | 22,674,000 |
| Noninterest-bearing deposits | 3,924,000 | 4,264,000 | 4,097,000 | 4,306,000 |
| Equity capital | 9,668,000 | 9,720,000 | 9,776,000 | 9,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 240,000 | 483,000 | 709,000 | 936,000 |
| Interest expense | 23,000 | 47,000 | 71,000 | 95,000 |
| Net interest income | 217,000 | 436,000 | 638,000 | 841,000 |
| Noninterest income | 4,000 | 5,000 | 13,000 | 18,000 |
| Noninterest expense | 150,000 | 310,000 | 452,000 | 603,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 69,000 | 129,000 | 197,000 | 254,000 |
| Income tax | 12,000 | 20,000 | 32,000 | 38,000 |
| Net income | 57,000 | 109,000 | 165,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,668,000 | 9,720,000 | 9,776,000 | 9,735,000 |
| Total capital | 9,723,000 | 9,775,000 | 9,831,000 | 9,790,000 |
| Risk-weighted assets | 16,925,000 | 18,079,000 | 17,199,000 | 16,267,000 |