Call reports 2005
FORD COUNTY STATE BANK — 2005
What FORD COUNTY 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 | 24,076,000 | 23,785,000 | 23,125,000 | 23,118,000 |
| Total loans | 13,472,000 | 13,351,000 | 13,736,000 | 14,924,000 |
| Allowance for loan losses | 265,000 | 265,000 | 265,000 | 275,000 |
| Securities available for sale | 5,508,000 | 5,782,000 | 6,015,000 | 6,290,000 |
| Securities held to maturity | 11,000 | 7,000 | 6,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,212,000 | 20,804,000 | 20,082,000 | 20,044,000 |
| Interest-bearing deposits | 18,105,000 | 17,653,000 | 17,109,000 | 16,955,000 |
| Noninterest-bearing deposits | 3,107,000 | 3,151,000 | 2,973,000 | 3,089,000 |
| Equity capital | 2,735,000 | 2,825,000 | 2,873,000 | 2,890,000 |
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 | 283,000 | 585,000 | 891,000 | 1,208,000 |
| Interest expense | 60,000 | 129,000 | 207,000 | 286,000 |
| Net interest income | 223,000 | 456,000 | 684,000 | 922,000 |
| Noninterest income | 20,000 | 34,000 | 54,000 | 69,000 |
| Noninterest expense | 168,000 | 314,000 | 468,000 | 620,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 75,000 | 176,000 | 270,000 | 361,000 |
| Income tax | 25,000 | 63,000 | 94,000 | 122,000 |
| Net income | 50,000 | 113,000 | 176,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,776,000 | 2,824,000 | 2,888,000 | 2,951,000 |
| Total capital | 2,970,000 | 3,020,000 | 3,090,000 | 3,162,000 |
| Risk-weighted assets | 15,702,000 | 15,626,000 | 16,089,000 | 16,846,000 |