Call reports 2008
FARMERS & STOCKMENS BANK — 2008
What FARMERS & STOCKMENS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,352,000 | 53,309,000 | 55,924,000 | 55,819,000 |
| Total loans | 35,048,000 | 36,919,000 | 40,066,000 | 42,840,000 |
| Allowance for loan losses | 456,000 | 454,000 | 451,000 | 471,000 |
| Securities available for sale | 9,720,000 | 9,283,000 | 8,806,000 | 8,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,849,000 | 47,997,000 | 50,256,000 | 48,469,000 |
| Interest-bearing deposits | 39,114,000 | 38,979,000 | 39,556,000 | 39,398,000 |
| Noninterest-bearing deposits | 9,735,000 | 9,018,000 | 10,700,000 | 9,071,000 |
| Equity capital | 5,212,000 | 5,098,000 | 5,427,000 | 5,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,870,000 | 2,820,000 | 3,719,000 |
| Interest expense | 343,000 | 633,000 | 873,000 | 1,087,000 |
| Net interest income | 619,000 | 1,237,000 | 1,947,000 | 2,632,000 |
| Noninterest income | 85,000 | 181,000 | 297,000 | 383,000 |
| Noninterest expense | 440,000 | 859,000 | 1,321,000 | 1,770,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 264,000 | 559,000 | 923,000 | 1,225,000 |
| Income tax | 93,000 | 198,000 | 317,000 | 421,000 |
| Net income | 171,000 | 361,000 | 606,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,039,000 | 4,082,000 | 4,332,000 | 4,084,000 |
| Total capital | 4,488,000 | 4,529,000 | 4,776,000 | 4,548,000 |
| Risk-weighted assets | 35,925,000 | 37,166,000 | 39,826,000 | 41,998,000 |