Call reports 2005
FARMERS & STOCKMENS BANK — 2005
What FARMERS & STOCKMENS 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 | 55,246,000 | 54,877,000 | 54,094,000 | 57,029,000 |
| Total loans | 34,911,000 | 35,780,000 | 35,902,000 | 32,791,000 |
| Allowance for loan losses | 515,000 | 516,000 | 514,000 | 440,000 |
| Securities available for sale | 11,798,000 | 11,909,000 | 11,845,000 | 13,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,361,000 | 49,810,000 | 49,055,000 | 52,129,000 |
| Interest-bearing deposits | 41,640,000 | 41,122,000 | 41,135,000 | 43,362,000 |
| Noninterest-bearing deposits | 8,721,000 | 8,688,000 | 7,920,000 | 8,767,000 |
| Equity capital | 4,742,000 | 4,834,000 | 4,759,000 | 4,708,000 |
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 | 811,000 | 1,647,000 | 2,527,000 | 3,424,000 |
| Interest expense | 194,000 | 400,000 | 635,000 | 894,000 |
| Net interest income | 617,000 | 1,247,000 | 1,892,000 | 2,530,000 |
| Noninterest income | 82,000 | 175,000 | 247,000 | 337,000 |
| Noninterest expense | 451,000 | 912,000 | 1,380,000 | 1,854,000 |
| Provision for loan losses | -7,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 255,000 | 507,000 | 756,000 | 1,010,000 |
| Income tax | 88,000 | 174,000 | 259,000 | 345,000 |
| Net income | 167,000 | 333,000 | 497,000 | 665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,920,000 | 3,940,000 | 3,908,000 | 3,930,000 |
| Total capital | 4,359,000 | 4,386,000 | 4,339,000 | 4,367,000 |
| Risk-weighted assets | 35,360,000 | 35,952,000 | 35,900,000 | 34,226,000 |