Call reports 2015
FARMERS STATE BANK — 2015
What FARMERS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 172,413,000 | 169,619,000 | 170,684,000 | 176,050,000 |
| Total loans | 86,590,000 | 89,372,000 | 90,507,000 | 90,254,000 |
| Allowance for loan losses | 1,079,000 | 1,152,000 | 1,148,000 | 1,204,000 |
| Securities available for sale | 70,193,000 | 70,908,000 | 71,230,000 | 71,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,432,000 | 144,784,000 | 145,164,000 | 150,569,000 |
| Interest-bearing deposits | 127,610,000 | 127,250,000 | 127,050,000 | 129,764,000 |
| Noninterest-bearing deposits | 18,822,000 | 17,534,000 | 18,114,000 | 20,805,000 |
| Equity capital | 19,693,000 | 19,093,000 | 19,866,000 | 19,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,646,000 | 3,349,000 | 5,059,000 | 6,780,000 |
| Interest expense | 213,000 | 421,000 | 621,000 | 840,000 |
| Net interest income | 1,433,000 | 2,928,000 | 4,438,000 | 5,940,000 |
| Noninterest income | 132,000 | 340,000 | 493,000 | 632,000 |
| Noninterest expense | 970,000 | 2,000,000 | 3,007,000 | 4,149,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 550,000 | 1,163,000 | 1,760,000 | 2,199,000 |
| Income tax | 99,000 | 284,000 | 441,000 | 553,000 |
| Net income | 451,000 | 879,000 | 1,319,000 | 1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,755,000 | 18,103,000 | 18,463,000 | 18,609,000 |
| Total capital | 18,834,000 | 19,255,000 | 19,611,000 | 19,813,000 |
| Risk-weighted assets | 90,776,000 | 92,366,000 | 95,817,000 | 97,328,000 |