Call reports 2005
FARMERS STATE BANK OF FULTON COUNTY — 2005
What FARMERS STATE BANK OF FULTON COUNTY 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 | 60,469,000 | 67,157,000 | 65,896,000 | 59,190,000 |
| Total loans | 32,536,000 | 32,157,000 | 34,110,000 | 35,529,000 |
| Allowance for loan losses | 370,000 | 370,000 | 370,000 | 370,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,015,000 | 22,493,000 | 21,456,000 | 21,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,459,000 | 61,000,000 | 59,880,000 | 51,558,000 |
| Interest-bearing deposits | 47,073,000 | 55,654,000 | 54,860,000 | 46,307,000 |
| Noninterest-bearing deposits | 5,386,000 | 5,346,000 | 5,020,000 | 5,251,000 |
| Equity capital | 6,050,000 | 6,099,000 | 5,957,000 | 6,064,000 |
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 | 662,000 | 1,333,000 | 2,024,000 | 2,745,000 |
| Interest expense | 231,000 | 471,000 | 730,000 | 1,014,000 |
| Net interest income | 431,000 | 862,000 | 1,294,000 | 1,731,000 |
| Noninterest income | 43,000 | 76,000 | 131,000 | 181,000 |
| Noninterest expense | 278,000 | 568,000 | 865,000 | 1,164,000 |
| Provision for loan losses | 13,000 | 14,000 | 44,000 | 50,000 |
| Pretax income | 183,000 | 356,000 | 516,000 | 698,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 180,000 | 349,000 | 506,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,050,000 | 6,099,000 | 5,957,000 | 6,064,000 |
| Total capital | 6,420,000 | 6,469,000 | 6,327,000 | 6,434,000 |
| Risk-weighted assets | 34,173,000 | 35,318,000 | 36,605,000 | 35,811,000 |