Call reports 2008
FARMERS STATE BANK OF WESTERN ILLINOIS — 2008
What FARMERS STATE BANK OF WESTERN ILLINOIS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,919,000 | 102,991,000 | 103,117,000 | 105,200,000 |
| Total loans | 65,319,000 | 65,249,000 | 65,434,000 | 69,501,000 |
| Allowance for loan losses | 463,000 | 463,000 | 512,000 | 467,000 |
| Securities available for sale | 13,000,000 | 13,756,000 | 15,187,000 | 18,624,000 |
| Securities held to maturity | 4,888,000 | 4,863,000 | 4,864,000 | 4,664,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,682,000 | 89,411,000 | 89,113,000 | 90,481,000 |
| Interest-bearing deposits | 74,717,000 | 74,828,000 | 74,630,000 | 73,607,000 |
| Noninterest-bearing deposits | 13,965,000 | 14,583,000 | 14,483,000 | 16,874,000 |
| Equity capital | 12,240,000 | 11,620,000 | 12,085,000 | 12,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,537,000 | 3,008,000 | 4,478,000 | 5,948,000 |
| Interest expense | 530,000 | 992,000 | 1,415,000 | 1,802,000 |
| Net interest income | 1,007,000 | 2,016,000 | 3,063,000 | 4,146,000 |
| Noninterest income | 137,000 | 318,000 | 486,000 | 669,000 |
| Noninterest expense | 784,000 | 1,537,000 | 2,299,000 | 3,127,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 317,000 | 709,000 | 1,117,000 | 1,510,000 |
| Income tax | -1,000 | -1,000 | 0 | 15,000 |
| Net income | 318,000 | 710,000 | 1,117,000 | 1,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,039,000 | 11,755,000 | 12,062,000 | 12,440,000 |
| Total capital | 12,502,000 | 12,218,000 | 12,574,000 | 12,907,000 |
| Risk-weighted assets | 77,781,000 | 77,600,000 | 78,380,000 | 80,686,000 |