Call reports 2009
FARMERS STATE BANK OF ELKTON — 2009
What FARMERS STATE BANK OF ELKTON reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 36,589,000 | 36,714,000 | 39,025,000 | 41,487,000 |
| Total loans | 19,183,000 | 18,836,000 | 19,749,000 | 20,576,000 |
| Allowance for loan losses | 421,000 | 408,000 | 393,000 | 326,000 |
| Securities available for sale | 9,622,000 | 11,207,000 | 12,799,000 | 13,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,330,000 | 32,341,000 | 34,321,000 | 36,923,000 |
| Interest-bearing deposits | 28,006,000 | 28,155,000 | 30,571,000 | 31,476,000 |
| Noninterest-bearing deposits | 4,324,000 | 4,186,000 | 3,750,000 | 5,447,000 |
| Equity capital | 4,119,000 | 4,243,000 | 4,578,000 | 4,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 950,000 | 1,425,000 | 1,916,000 |
| Interest expense | 148,000 | 290,000 | 427,000 | 560,000 |
| Net interest income | 325,000 | 660,000 | 998,000 | 1,356,000 |
| Noninterest income | 25,000 | 43,000 | 70,000 | 106,000 |
| Noninterest expense | 189,000 | 405,000 | 612,000 | 831,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 45,000 |
| Pretax income | 161,000 | 298,000 | 411,000 | 586,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 161,000 | 298,000 | 411,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,087,000 | 4,224,000 | 4,337,000 | 4,312,000 |
| Total capital | 4,396,000 | 4,538,000 | 4,668,000 | 4,638,000 |
| Risk-weighted assets | 24,566,000 | 24,878,000 | 26,263,000 | 27,859,000 |