Call reports 2008
FARMER CITY STATE BANK — 2008
What FARMER CITY STATE BANK 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 | 66,894,000 | 65,464,000 | 63,897,000 | 66,771,000 |
| Total loans | 35,743,000 | 35,617,000 | 34,688,000 | 35,966,000 |
| Allowance for loan losses | 390,000 | 405,000 | 412,000 | 463,000 |
| Securities available for sale | 24,682,000 | 23,829,000 | 22,996,000 | 24,572,000 |
| Securities held to maturity | 1,094,000 | 1,294,000 | 1,293,000 | 1,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,605,000 | 58,466,000 | 56,828,000 | 59,191,000 |
| Interest-bearing deposits | 52,612,000 | 52,057,000 | 50,422,000 | 51,707,000 |
| Noninterest-bearing deposits | 6,993,000 | 6,409,000 | 6,406,000 | 7,484,000 |
| Equity capital | 6,326,000 | 5,748,000 | 6,168,000 | 6,445,000 |
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 | 913,000 | 1,770,000 | 2,619,000 | 3,453,000 |
| Interest expense | 407,000 | 784,000 | 1,120,000 | 1,417,000 |
| Net interest income | 506,000 | 986,000 | 1,499,000 | 2,036,000 |
| Noninterest income | 189,000 | 362,000 | 548,000 | 796,000 |
| Noninterest expense | 561,000 | 1,122,000 | 1,667,000 | 2,155,000 |
| Provision for loan losses | 12,000 | 30,000 | 60,000 | 110,000 |
| Pretax income | 143,000 | 220,000 | 359,000 | 649,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 220,000 | 359,000 | 649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,935,000 | 5,941,000 | 5,984,000 | 6,146,000 |
| Total capital | 6,325,000 | 6,346,000 | 6,396,000 | 6,609,000 |
| Risk-weighted assets | 42,293,000 | 42,293,000 | 41,130,000 | 42,779,000 |