Call reports 2010
FARMERS STATE BANK OF ELKTON — 2010
What FARMERS STATE BANK OF ELKTON reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 39,896,000 | 39,616,000 | 40,660,000 | 42,615,000 |
| Total loans | 20,275,000 | 20,136,000 | 19,387,000 | 20,925,000 |
| Allowance for loan losses | 442,000 | 509,000 | 476,000 | 456,000 |
| Securities available for sale | 12,863,000 | 11,989,000 | 13,289,000 | 13,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,186,000 | 34,813,000 | 35,497,000 | 37,950,000 |
| Interest-bearing deposits | 30,589,000 | 30,361,000 | 30,446,000 | 32,511,000 |
| Noninterest-bearing deposits | 4,597,000 | 4,452,000 | 5,051,000 | 5,439,000 |
| Equity capital | 4,607,000 | 4,710,000 | 5,059,000 | 4,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 487,000 | 952,000 | 1,437,000 | 1,886,000 |
| Interest expense | 115,000 | 223,000 | 333,000 | 441,000 |
| Net interest income | 372,000 | 729,000 | 1,104,000 | 1,445,000 |
| Noninterest income | 85,000 | 109,000 | 131,000 | 158,000 |
| Noninterest expense | 202,000 | 435,000 | 641,000 | 886,000 |
| Provision for loan losses | 120,000 | 195,000 | 195,000 | 195,000 |
| Pretax income | 135,000 | 208,000 | 399,000 | 522,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 208,000 | 399,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,447,000 | 4,399,000 | 4,558,000 | 4,421,000 |
| Total capital | 4,784,000 | 4,734,000 | 4,895,000 | 4,779,000 |
| Risk-weighted assets | 26,734,000 | 26,521,000 | 26,774,000 | 28,550,000 |
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