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 | 14,904,000 | 15,859,000 | 17,031,000 | 16,988,000 |
| Total loans | 6,425,000 | 6,834,000 | 6,425,000 | 5,985,000 |
| Allowance for loan losses | 140,000 | 141,000 | 151,000 | 136,000 |
| Securities available for sale | 3,917,000 | 4,420,000 | 5,380,000 | 5,377,000 |
| Securities held to maturity | 701,000 | 701,000 | 701,000 | 701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,416,000 | 13,333,000 | 14,498,000 | 14,449,000 |
| Interest-bearing deposits | 5,905,000 | 5,782,000 | 6,046,000 | 6,184,000 |
| Noninterest-bearing deposits | 6,511,000 | 7,551,000 | 8,452,000 | 8,265,000 |
| Equity capital | 2,480,000 | 2,523,000 | 2,525,000 | 2,537,000 |
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 | 184,000 | 371,000 | 592,000 | 793,000 |
| Interest expense | 6,000 | 12,000 | 18,000 | 24,000 |
| Net interest income | 178,000 | 359,000 | 574,000 | 769,000 |
| Noninterest income | 22,000 | 44,000 | 66,000 | 92,000 |
| Noninterest expense | 161,000 | 323,000 | 510,000 | 710,000 |
| Provision for loan losses | 5,000 | 15,000 | 25,000 | 40,000 |
| Pretax income | 34,000 | 65,000 | 105,000 | 111,000 |
| Income tax | 9,000 | 16,000 | 27,000 | 26,000 |
| Net income | 25,000 | 49,000 | 78,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,535,000 | 2,559,000 | 2,588,000 | 2,595,000 |
| Total capital | 2,627,000 | 2,655,000 | 2,682,000 | 2,682,000 |
| Risk-weighted assets | 7,311,000 | 7,673,000 | 7,452,000 | 6,948,000 |