Call reports 2005
FARMERS STATE BANK — 2005
What FARMERS STATE BANK 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 | 29,233,000 | 31,312,000 | 31,836,000 | 30,441,000 |
| Total loans | 19,459,000 | 20,905,000 | 22,559,000 | 20,930,000 |
| Allowance for loan losses | 438,000 | 458,000 | 527,000 | 429,000 |
| Securities available for sale | 6,197,000 | 7,652,000 | 7,330,000 | 6,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,224,000 | 25,076,000 | 22,744,000 | 23,146,000 |
| Interest-bearing deposits | 20,121,000 | 21,329,000 | 19,605,000 | 20,251,000 |
| Noninterest-bearing deposits | 3,103,000 | 3,747,000 | 3,139,000 | 2,895,000 |
| Equity capital | 2,653,000 | 2,852,000 | 2,824,000 | 2,866,000 |
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 | 396,000 | 864,000 | 1,371,000 | 1,865,000 |
| Interest expense | 150,000 | 316,000 | 499,000 | 699,000 |
| Net interest income | 246,000 | 548,000 | 872,000 | 1,166,000 |
| Noninterest income | 34,000 | 63,000 | 93,000 | 120,000 |
| Noninterest expense | 137,000 | 282,000 | 439,000 | 586,000 |
| Provision for loan losses | 30,000 | 45,000 | 110,000 | 215,000 |
| Pretax income | 93,000 | 264,000 | 393,000 | 462,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 23,000 |
| Net income | 85,000 | 248,000 | 369,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,646,000 | 2,809,000 | 2,830,000 | 2,900,000 |
| Total capital | 2,914,000 | 3,090,000 | 3,127,000 | 3,184,000 |
| Risk-weighted assets | 21,246,000 | 22,306,000 | 23,545,000 | 22,544,000 |