Call reports 2012
FARMERS STATE BANK OF ELKTON — 2012
What FARMERS STATE BANK OF ELKTON reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 46,527,000 | 47,648,000 | 50,127,000 | 50,841,000 |
| Total loans | 23,090,000 | 25,316,000 | 26,155,000 | 25,087,000 |
| Allowance for loan losses | 521,000 | 438,000 | 438,000 | 401,000 |
| Securities available for sale | 16,082,000 | 15,153,000 | 15,262,000 | 15,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,203,000 | 42,110,000 | 44,692,000 | 45,372,000 |
| Interest-bearing deposits | 35,312,000 | 36,980,000 | 36,588,000 | 37,657,000 |
| Noninterest-bearing deposits | 5,892,000 | 5,130,000 | 8,104,000 | 7,714,000 |
| Equity capital | 5,246,000 | 5,476,000 | 5,356,000 | 5,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 970,000 | 1,466,000 | 1,928,000 |
| Interest expense | 74,000 | 143,000 | 208,000 | 274,000 |
| Net interest income | 407,000 | 827,000 | 1,258,000 | 1,654,000 |
| Noninterest income | 16,000 | 35,000 | 62,000 | 40,000 |
| Noninterest expense | 209,000 | 433,000 | 658,000 | 877,000 |
| Provision for loan losses | 165,000 | 190,000 | 190,000 | 190,000 |
| Pretax income | 49,000 | 230,000 | 319,000 | 474,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 49,000 | 230,000 | 319,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,586,000 | 4,745,000 | 4,716,000 | 4,836,000 |
| Total capital | 4,991,000 | 5,169,000 | 5,154,000 | 5,237,000 |
| Risk-weighted assets | 32,241,000 | 33,902,000 | 35,141,000 | 34,110,000 |