Call reports 2005
FARMERS STATE BANK OF ELKTON — 2005
What FARMERS STATE BANK OF ELKTON 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 | 34,328,000 | 33,785,000 | 34,018,000 | 34,767,000 |
| Total loans | 18,192,000 | 19,147,000 | 20,400,000 | 19,951,000 |
| Allowance for loan losses | 325,000 | 327,000 | 326,000 | 371,000 |
| Securities available for sale | 10,498,000 | 10,506,000 | 9,272,000 | 8,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,303,000 | 29,581,000 | 28,838,000 | 30,871,000 |
| Interest-bearing deposits | 27,319,000 | 27,040,000 | 26,224,000 | 27,319,000 |
| Noninterest-bearing deposits | 2,984,000 | 2,541,000 | 2,614,000 | 3,552,000 |
| Equity capital | 3,847,000 | 4,006,000 | 4,040,000 | 3,773,000 |
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 | 486,000 | 937,000 | 1,414,000 | 1,894,000 |
| Interest expense | 125,000 | 266,000 | 425,000 | 587,000 |
| Net interest income | 361,000 | 671,000 | 989,000 | 1,307,000 |
| Noninterest income | 21,000 | 50,000 | 82,000 | 118,000 |
| Noninterest expense | 168,000 | 351,000 | 527,000 | 729,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 46,000 |
| Pretax income | 214,000 | 356,000 | 488,000 | 507,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | 356,000 | 488,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,975,000 | 4,023,000 | 4,106,000 | 3,850,000 |
| Total capital | 4,280,000 | 4,329,000 | 4,413,000 | 4,175,000 |
| Risk-weighted assets | 23,715,000 | 24,378,000 | 25,547,000 | 25,156,000 |
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