Call reports 2015
FARMERS STATE BANK — 2015
What FARMERS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 20,024,000 | 20,497,000 | 19,850,000 | 20,234,000 |
| Total loans | 17,291,000 | 16,495,000 | 16,365,000 | 16,686,000 |
| Allowance for loan losses | 401,000 | 421,000 | 401,000 | 378,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 294,000 | 421,000 | 410,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,186,000 | 17,580,000 | 16,811,000 | 16,780,000 |
| Interest-bearing deposits | 14,537,000 | 15,197,000 | 14,349,000 | 13,826,000 |
| Noninterest-bearing deposits | 2,649,000 | 2,383,000 | 2,462,000 | 2,954,000 |
| Equity capital | 2,832,000 | 2,910,000 | 3,033,000 | 3,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 266,000 | 517,000 | 766,000 | 1,014,000 |
| Interest expense | 20,000 | 39,000 | 59,000 | 78,000 |
| Net interest income | 246,000 | 478,000 | 707,000 | 936,000 |
| Noninterest income | 24,000 | 49,000 | 75,000 | 96,000 |
| Noninterest expense | 172,000 | 333,000 | 481,000 | 638,000 |
| Provision for loan losses | 0 | 16,000 | -4,000 | -29,000 |
| Pretax income | 98,000 | 178,000 | 305,000 | 423,000 |
| Income tax | 6,000 | 8,000 | 12,000 | 15,000 |
| Net income | 92,000 | 170,000 | 293,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,832,000 | 2,910,000 | 3,033,000 | 3,148,000 |
| Total capital | 3,061,000 | 3,171,000 | 3,289,000 | 3,406,000 |
| Risk-weighted assets | 18,163,000 | 20,758,000 | 20,218,000 | 20,422,000 |