Call reports 2005
FARMERS STATE BANK OF CALHAN — 2005
What FARMERS STATE BANK OF CALHAN 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 | 126,359,000 | 126,825,000 | 126,033,000 | 126,593,000 |
| Total loans | 88,882,000 | 89,158,000 | 88,797,000 | 85,887,000 |
| Allowance for loan losses | 1,829,000 | 1,725,000 | 1,639,000 | 1,689,000 |
| Securities available for sale | 22,025,000 | 23,789,000 | 22,620,000 | 26,717,000 |
| Securities held to maturity | 974,000 | 974,000 | 959,000 | 959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,983,000 | 102,303,000 | 102,489,000 | 104,046,000 |
| Interest-bearing deposits | 75,915,000 | 76,188,000 | 75,348,000 | 75,938,000 |
| Noninterest-bearing deposits | 24,067,000 | 26,115,000 | 27,141,000 | 28,108,000 |
| Equity capital | 13,539,000 | 14,049,000 | 14,308,000 | 14,408,000 |
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 | 1,974,000 | 3,996,000 | 6,064,000 | 8,064,000 |
| Interest expense | 476,000 | 980,000 | 1,508,000 | 2,032,000 |
| Net interest income | 1,498,000 | 3,016,000 | 4,556,000 | 6,032,000 |
| Noninterest income | 214,000 | 628,000 | 1,073,000 | 1,576,000 |
| Noninterest expense | 1,132,000 | 2,410,000 | 3,705,000 | 4,926,000 |
| Provision for loan losses | 180,000 | 298,000 | 380,000 | 762,000 |
| Pretax income | 400,000 | 940,000 | 1,548,000 | 1,924,000 |
| Income tax | 119,000 | 289,000 | 465,000 | 581,000 |
| Net income | 281,000 | 651,000 | 1,083,000 | 1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,474,000 | 13,807,000 | 14,203,000 | 14,423,000 |
| Total capital | 14,642,000 | 14,985,000 | 15,377,000 | 15,574,000 |
| Risk-weighted assets | 92,781,000 | 93,655,000 | 93,423,000 | 91,534,000 |