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 | 53,510,000 | 52,632,000 | 53,043,000 | 55,786,000 |
| Total loans | 32,140,000 | 32,612,000 | 33,222,000 | 34,284,000 |
| Allowance for loan losses | 480,000 | 522,000 | 554,000 | 520,000 |
| Securities available for sale | 13,201,000 | 12,706,000 | 12,463,000 | 13,135,000 |
| Securities held to maturity | 2,075,000 | 2,065,000 | 2,065,000 | 1,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,029,000 | 47,598,000 | 47,924,000 | 51,213,000 |
| Interest-bearing deposits | 41,331,000 | 40,818,000 | 41,086,000 | 42,679,000 |
| Noninterest-bearing deposits | 7,698,000 | 6,780,000 | 6,838,000 | 8,534,000 |
| Equity capital | 4,157,000 | 4,330,000 | 4,392,000 | 4,240,000 |
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 | 752,000 | 1,546,000 | 2,346,000 | 3,194,000 |
| Interest expense | 192,000 | 388,000 | 600,000 | 843,000 |
| Net interest income | 560,000 | 1,158,000 | 1,746,000 | 2,351,000 |
| Noninterest income | 92,000 | 192,000 | 274,000 | 377,000 |
| Noninterest expense | 503,000 | 1,068,000 | 1,564,000 | 2,109,000 |
| Provision for loan losses | 113,000 | 158,000 | 203,000 | 248,000 |
| Pretax income | 36,000 | 124,000 | 253,000 | 369,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 131,000 |
| Net income | 27,000 | 106,000 | 226,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,192,000 | 4,237,000 | 4,357,000 | 4,334,000 |
| Total capital | 4,641,000 | 4,716,000 | 4,818,000 | 4,810,000 |
| Risk-weighted assets | 35,889,000 | 38,208,000 | 38,874,000 | 39,204,000 |