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 | 244,250,000 | 242,247,000 | 248,601,000 | 245,107,000 |
| Total loans | 153,772,000 | 153,916,000 | 155,236,000 | 153,327,000 |
| Allowance for loan losses | 2,291,000 | 2,434,000 | 2,430,000 | 2,339,000 |
| Securities available for sale | 67,589,000 | 64,763,000 | 67,390,000 | 67,361,000 |
| Securities held to maturity | 258,000 | 247,000 | 239,000 | 232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,061,000 | 210,539,000 | 216,758,000 | 212,121,000 |
| Interest-bearing deposits | 174,974,000 | 170,891,000 | 171,840,000 | 169,768,000 |
| Noninterest-bearing deposits | 38,087,000 | 39,648,000 | 44,918,000 | 42,353,000 |
| Equity capital | 25,906,000 | 27,006,000 | 27,406,000 | 27,875,000 |
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 | 3,132,000 | 6,457,000 | 9,845,000 | 13,408,000 |
| Interest expense | 701,000 | 1,440,000 | 2,239,000 | 3,080,000 |
| Net interest income | 2,431,000 | 5,017,000 | 7,606,000 | 10,328,000 |
| Noninterest income | 654,000 | 1,354,000 | 2,070,000 | 2,786,000 |
| Noninterest expense | 2,292,000 | 4,540,000 | 6,743,000 | 8,962,000 |
| Provision for loan losses | 152,000 | 344,000 | 371,000 | 195,000 |
| Pretax income | 619,000 | 1,466,000 | 2,541,000 | 3,932,000 |
| Income tax | 168,000 | 417,000 | 753,000 | 1,205,000 |
| Net income | 451,000 | 1,049,000 | 1,788,000 | 2,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,017,000 | 26,605,000 | 27,294,000 | 28,097,000 |
| Total capital | 28,221,000 | 28,817,000 | 29,532,000 | 30,322,000 |
| Risk-weighted assets | 176,279,000 | 176,764,000 | 178,820,000 | 177,904,000 |