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 | 106,042,000 | 104,682,000 | 108,382,000 | 106,258,000 |
| Total loans | 85,834,000 | 85,689,000 | 86,255,000 | 85,562,000 |
| Allowance for loan losses | 1,055,000 | 999,000 | 1,019,000 | 980,000 |
| Securities available for sale | 10,839,000 | 10,885,000 | 10,835,000 | 12,271,000 |
| Securities held to maturity | 1,837,000 | 1,784,000 | 1,573,000 | 1,572,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,217,000 | 82,429,000 | 86,113,000 | 85,899,000 |
| Interest-bearing deposits | 71,589,000 | 69,601,000 | 73,031,000 | 72,489,000 |
| Noninterest-bearing deposits | 12,628,000 | 12,828,000 | 13,082,000 | 13,410,000 |
| Equity capital | 8,717,000 | 8,906,000 | 8,968,000 | 9,011,000 |
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 | 1,511,000 | 3,094,000 | 4,692,000 | 6,384,000 |
| Interest expense | 465,000 | 974,000 | 1,538,000 | 2,144,000 |
| Net interest income | 1,046,000 | 2,120,000 | 3,154,000 | 4,240,000 |
| Noninterest income | 230,000 | 465,000 | 700,000 | 961,000 |
| Noninterest expense | 952,000 | 1,924,000 | 2,952,000 | 3,918,000 |
| Provision for loan losses | 57,000 | 97,000 | 125,000 | 315,000 |
| Pretax income | 267,000 | 565,000 | 778,000 | 969,000 |
| Income tax | 93,000 | 191,000 | 257,000 | 326,000 |
| Net income | 174,000 | 374,000 | 521,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,772,000 | 8,920,000 | 9,044,000 | 9,086,000 |
| Total capital | 9,796,000 | 9,919,000 | 10,063,000 | 10,066,000 |
| Risk-weighted assets | 81,911,000 | 82,759,000 | 81,769,000 | 83,721,000 |
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