Call reports 2005
FARMERS STATE BANK OF CANTON — 2005
What FARMERS STATE BANK OF CANTON 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 | 38,689,000 | 38,707,000 | 36,641,000 | 37,829,000 |
| Total loans | 27,549,000 | 27,802,000 | 28,948,000 | 30,216,000 |
| Allowance for loan losses | 372,000 | 403,000 | 372,000 | 349,000 |
| Securities available for sale | 5,086,000 | 5,106,000 | 2,879,000 | 2,863,000 |
| Securities held to maturity | 556,000 | 718,000 | 517,000 | 517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,027,000 | 32,453,000 | 30,382,000 | 33,155,000 |
| Interest-bearing deposits | 28,358,000 | 27,319,000 | 25,228,000 | 27,252,000 |
| Noninterest-bearing deposits | 5,669,000 | 5,134,000 | 5,153,000 | 5,903,000 |
| Equity capital | 4,027,000 | 4,012,000 | 4,022,000 | 3,989,000 |
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 | 507,000 | 1,017,000 | 1,571,000 | 2,162,000 |
| Interest expense | 103,000 | 223,000 | 353,000 | 501,000 |
| Net interest income | 404,000 | 794,000 | 1,218,000 | 1,661,000 |
| Noninterest income | 85,000 | 180,000 | 277,000 | 356,000 |
| Noninterest expense | 300,000 | 617,000 | 944,000 | 1,320,000 |
| Provision for loan losses | 0 | 35,000 | 200,000 | 200,000 |
| Pretax income | 189,000 | 322,000 | 314,000 | 460,000 |
| Income tax | 63,000 | 105,000 | 99,000 | 143,000 |
| Net income | 126,000 | 217,000 | 215,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,082,000 | 4,047,000 | 4,046,000 | 4,022,000 |
| Total capital | 4,434,000 | 4,396,000 | 4,402,000 | 4,371,000 |
| Risk-weighted assets | 28,174,000 | 27,835,000 | 28,466,000 | 29,245,000 |