Call reports 2005
FARMER CITY STATE BANK — 2005
What FARMER CITY 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 | 60,631,000 | 61,888,000 | 58,840,000 | 60,042,000 |
| Total loans | 28,209,000 | 27,290,000 | 25,077,000 | 25,719,000 |
| Allowance for loan losses | 551,000 | 547,000 | 485,000 | 486,000 |
| Securities available for sale | 26,859,000 | 29,128,000 | 30,138,000 | 30,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,897,000 | 55,863,000 | 52,763,000 | 53,713,000 |
| Interest-bearing deposits | 48,019,000 | 47,672,000 | 47,147,000 | 47,019,000 |
| Noninterest-bearing deposits | 6,878,000 | 8,191,000 | 5,616,000 | 6,694,000 |
| Equity capital | 5,249,000 | 5,464,000 | 5,454,000 | 5,073,000 |
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 | 742,000 | 1,493,000 | 2,267,000 | 3,037,000 |
| Interest expense | 226,000 | 463,000 | 716,000 | 969,000 |
| Net interest income | 516,000 | 1,030,000 | 1,551,000 | 2,068,000 |
| Noninterest income | 119,000 | 225,000 | 372,000 | 583,000 |
| Noninterest expense | 560,000 | 1,074,000 | 1,607,000 | 2,084,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 60,000 | 166,000 | 306,000 | 557,000 |
| Income tax | 0 | 0 | -6,000 | -6,000 |
| Net income | 60,000 | 166,000 | 312,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,511,000 | 5,517,000 | 5,646,000 | 5,543,000 |
| Total capital | 5,918,000 | 5,920,000 | 6,031,000 | 5,932,000 |
| Risk-weighted assets | 32,452,000 | 32,059,000 | 30,725,000 | 30,988,000 |