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 | 56,385,000 | 54,811,000 | 49,972,000 | 54,894,000 |
| Total loans | 28,905,000 | 29,580,000 | 29,370,000 | 32,611,000 |
| Allowance for loan losses | 419,000 | 422,000 | 412,000 | 422,000 |
| Securities available for sale | 21,717,000 | 20,016,000 | 18,198,000 | 17,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,807,000 | 47,950,000 | 42,748,000 | 48,019,000 |
| Interest-bearing deposits | 43,452,000 | 42,680,000 | 36,558,000 | 39,890,000 |
| Noninterest-bearing deposits | 6,355,000 | 5,270,000 | 6,190,000 | 8,129,000 |
| Equity capital | 6,158,000 | 6,466,000 | 6,496,000 | 6,539,000 |
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 | 647,000 | 1,317,000 | 1,977,000 | 2,639,000 |
| Interest expense | 247,000 | 511,000 | 779,000 | 1,057,000 |
| Net interest income | 400,000 | 806,000 | 1,198,000 | 1,582,000 |
| Noninterest income | 62,000 | 126,000 | 194,000 | 266,000 |
| Noninterest expense | 267,000 | 516,000 | 778,000 | 1,074,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 195,000 | 396,000 | 584,000 | 739,000 |
| Income tax | 46,000 | 91,000 | 131,000 | 180,000 |
| Net income | 149,000 | 305,000 | 453,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,357,000 | 6,514,000 | 6,661,000 | 6,768,000 |
| Total capital | 6,774,000 | 6,936,000 | 7,073,000 | 7,190,000 |
| Risk-weighted assets | 33,389,000 | 33,925,000 | 32,925,000 | 36,339,000 |