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 | 73,373,000 | 78,702,000 | 78,040,000 | 81,465,000 |
| Total loans | 45,935,000 | 49,161,000 | 50,774,000 | 52,710,000 |
| Allowance for loan losses | 426,000 | 450,000 | 461,000 | 471,000 |
| Securities available for sale | 22,944,000 | 23,437,000 | 22,124,000 | 21,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,633,000 | 60,935,000 | 61,345,000 | 73,208,000 |
| Interest-bearing deposits | 54,558,000 | 53,720,000 | 54,375,000 | 63,515,000 |
| Noninterest-bearing deposits | 6,075,000 | 7,215,000 | 6,970,000 | 9,693,000 |
| Equity capital | 5,931,000 | 6,146,000 | 6,322,000 | 6,959,000 |
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 | 1,031,000 | 2,139,000 | 3,308,000 | 4,525,000 |
| Interest expense | 334,000 | 713,000 | 1,162,000 | 1,652,000 |
| Net interest income | 697,000 | 1,426,000 | 2,146,000 | 2,873,000 |
| Noninterest income | 93,000 | 188,000 | 299,000 | 420,000 |
| Noninterest expense | 484,000 | 966,000 | 1,426,000 | 2,195,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 280,000 | 599,000 | 946,000 | 1,003,000 |
| Income tax | 42,000 | 129,000 | 233,000 | 246,000 |
| Net income | 238,000 | 470,000 | 713,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,891,000 | 6,003,000 | 6,247,000 | 6,744,000 |
| Total capital | 6,317,000 | 6,453,000 | 6,708,000 | 7,215,000 |
| Risk-weighted assets | 46,773,000 | 49,975,000 | 52,190,000 | 54,291,000 |