Call reports 2005
FARMERS STATE BANK — 2005
What FARMERS STATE BANK 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 | 162,055,000 | 164,391,000 | 172,939,000 | 177,196,000 |
| Total loans | 149,712,000 | 151,863,000 | 157,469,000 | 162,838,000 |
| Allowance for loan losses | 927,000 | 896,000 | 881,000 | 883,000 |
| Securities available for sale | 2,024,000 | 2,025,000 | 2,016,000 | 2,014,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,883,000 | 116,849,000 | 125,913,000 | 125,891,000 |
| Interest-bearing deposits | 105,321,000 | 102,308,000 | 109,615,000 | 109,534,000 |
| Noninterest-bearing deposits | 12,562,000 | 14,541,000 | 16,298,000 | 16,357,000 |
| Equity capital | 16,104,000 | 16,162,000 | 16,601,000 | 16,445,000 |
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 | 2,269,000 | 4,630,000 | 7,073,000 | 9,599,000 |
| Interest expense | 682,000 | 1,434,000 | 2,254,000 | 3,135,000 |
| Net interest income | 1,587,000 | 3,196,000 | 4,819,000 | 6,464,000 |
| Noninterest income | 230,000 | 558,000 | 861,000 | 1,149,000 |
| Noninterest expense | 1,112,000 | 2,266,000 | 3,470,000 | 4,755,000 |
| Provision for loan losses | 22,000 | 50,000 | 78,000 | 105,000 |
| Pretax income | 683,000 | 1,438,000 | 2,132,000 | 2,753,000 |
| Income tax | 252,000 | 526,000 | 777,000 | 1,003,000 |
| Net income | 431,000 | 912,000 | 1,355,000 | 1,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,517,000 | 14,597,000 | 14,929,000 | 14,810,000 |
| Total capital | 15,444,000 | 15,493,000 | 15,810,000 | 15,693,000 |
| Risk-weighted assets | 108,346,000 | 109,170,000 | 114,700,000 | 118,743,000 |
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