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 | 334,333,000 | 337,157,000 | 333,172,000 | 442,942,000 |
| Total loans | 262,594,000 | 265,744,000 | 263,739,000 | 325,152,000 |
| Allowance for loan losses | 3,271,000 | 3,325,000 | 3,365,000 | 3,428,000 |
| Securities available for sale | 39,934,000 | 40,477,000 | 40,527,000 | 44,421,000 |
| Securities held to maturity | 8,099,000 | 8,598,000 | 8,224,000 | 8,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,902,000 | 259,895,000 | 259,355,000 | 369,195,000 |
| Interest-bearing deposits | 220,444,000 | 213,771,000 | 214,137,000 | 300,342,000 |
| Noninterest-bearing deposits | 45,458,000 | 46,124,000 | 45,218,000 | 68,853,000 |
| Equity capital | 30,864,000 | 31,497,000 | 31,979,000 | 36,007,000 |
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 | 4,536,000 | 9,266,000 | 14,205,000 | 20,247,000 |
| Interest expense | 1,583,000 | 3,216,000 | 4,941,000 | 6,962,000 |
| Net interest income | 2,953,000 | 6,050,000 | 9,264,000 | 13,285,000 |
| Noninterest income | 563,000 | 1,144,000 | 1,755,000 | 2,592,000 |
| Noninterest expense | 2,145,000 | 4,441,000 | 6,732,000 | 9,839,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 270,000 |
| Pretax income | 1,311,000 | 2,633,000 | 4,107,000 | 5,768,000 |
| Income tax | 328,000 | 653,000 | 1,027,000 | 1,464,000 |
| Net income | 983,000 | 1,980,000 | 3,080,000 | 4,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,772,000 | 31,240,000 | 31,813,000 | 29,132,000 |
| Total capital | 33,707,000 | 34,212,000 | 34,764,000 | 32,560,000 |
| Risk-weighted assets | 234,444,000 | 237,427,000 | 235,672,000 | 297,760,000 |