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 | 30,783,000 | 30,915,000 | 29,596,000 | 30,199,000 |
| Total loans | 13,794,000 | 16,572,000 | 15,345,000 | 15,316,000 |
| Allowance for loan losses | 281,000 | 249,000 | 269,000 | 296,000 |
| Securities available for sale | 11,011,000 | 10,910,000 | 10,460,000 | 10,637,000 |
| Securities held to maturity | 1,540,000 | 1,536,000 | 1,526,000 | 1,485,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,979,000 | 26,566,000 | 26,444,000 | 27,308,000 |
| Interest-bearing deposits | 23,548,000 | 23,831,000 | 23,705,000 | 23,544,000 |
| Noninterest-bearing deposits | 4,431,000 | 2,735,000 | 2,739,000 | 3,764,000 |
| Equity capital | 2,497,000 | 2,608,000 | 2,647,000 | 2,585,000 |
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 | 397,000 | 807,000 | 1,255,000 | 1,695,000 |
| Interest expense | 166,000 | 341,000 | 530,000 | 731,000 |
| Net interest income | 231,000 | 466,000 | 725,000 | 964,000 |
| Noninterest income | 16,000 | 35,000 | 48,000 | 67,000 |
| Noninterest expense | 173,000 | 358,000 | 534,000 | 742,000 |
| Provision for loan losses | 30,000 | 9,000 | 3,000 | 27,000 |
| Pretax income | 44,000 | 134,000 | 236,000 | 262,000 |
| Income tax | 1,000 | 13,000 | 47,000 | 79,000 |
| Net income | 43,000 | 121,000 | 189,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,623,000 | 2,700,000 | 2,769,000 | 2,722,000 |
| Total capital | 2,820,000 | 2,939,000 | 2,968,000 | 2,927,000 |
| Risk-weighted assets | 15,646,000 | 19,132,000 | 15,885,000 | 16,302,000 |