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 | 36,810,000 | 37,368,000 | 38,518,000 | 39,037,000 |
| Total loans | 29,503,000 | 31,555,000 | 31,084,000 | 33,231,000 |
| Allowance for loan losses | 440,000 | 440,000 | 445,000 | 450,000 |
| Securities available for sale | 2,706,000 | 1,637,000 | 1,642,000 | 1,640,000 |
| Securities held to maturity | 385,000 | 385,000 | 280,000 | 225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,091,000 | 32,057,000 | 33,010,000 | 33,800,000 |
| Interest-bearing deposits | 28,534,000 | 28,911,000 | 29,597,000 | 29,643,000 |
| Noninterest-bearing deposits | 3,557,000 | 3,146,000 | 3,413,000 | 4,157,000 |
| Equity capital | 2,805,000 | 2,966,000 | 3,117,000 | 3,173,000 |
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 | 524,000 | 1,110,000 | 1,712,000 | 2,349,000 |
| Interest expense | 138,000 | 302,000 | 499,000 | 721,000 |
| Net interest income | 386,000 | 808,000 | 1,213,000 | 1,628,000 |
| Noninterest income | 21,000 | 48,000 | 78,000 | 106,000 |
| Noninterest expense | 194,000 | 389,000 | 584,000 | 901,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 467,000 | 707,000 | 833,000 |
| Income tax | 70,000 | 164,000 | 253,000 | 300,000 |
| Net income | 143,000 | 303,000 | 454,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,812,000 | 2,972,000 | 3,117,000 | 3,178,000 |
| Total capital | 3,178,000 | 3,349,000 | 3,117,000 | 3,571,000 |
| Risk-weighted assets | 29,190,000 | 30,133,000 | 29,450,000 | 31,406,000 |