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 | 35,389,000 | 37,521,000 | 39,094,000 | 40,202,000 |
| Total loans | 27,023,000 | 28,552,000 | 29,715,000 | 26,410,000 |
| Allowance for loan losses | 432,000 | 303,000 | 316,000 | 434,000 |
| Securities available for sale | 2,445,000 | 2,473,000 | 1,957,000 | 3,433,000 |
| Securities held to maturity | 1,266,000 | 1,216,000 | 1,169,000 | 929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,775,000 | 31,725,000 | 32,751,000 | 36,818,000 |
| Interest-bearing deposits | 28,754,000 | 28,944,000 | 29,487,000 | 33,683,000 |
| Noninterest-bearing deposits | 3,021,000 | 2,781,000 | 3,264,000 | 3,135,000 |
| Equity capital | 2,885,000 | 2,995,000 | 3,114,000 | 3,126,000 |
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 | 547,000 | 1,119,000 | 1,742,000 | 2,330,000 |
| Interest expense | 128,000 | 280,000 | 451,000 | 627,000 |
| Net interest income | 419,000 | 839,000 | 1,291,000 | 1,703,000 |
| Noninterest income | 39,000 | 82,000 | 134,000 | 179,000 |
| Noninterest expense | 299,000 | 585,000 | 860,000 | 1,186,000 |
| Provision for loan losses | 176,000 | 224,000 | 224,000 | 324,000 |
| Pretax income | -17,000 | 112,000 | 341,000 | 372,000 |
| Income tax | 0 | 0 | 0 | 9,000 |
| Net income | -17,000 | 112,000 | 341,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,940,000 | 3,050,000 | 3,158,000 | 3,179,000 |
| Total capital | 3,292,000 | 3,353,000 | 3,474,000 | 3,531,000 |
| Risk-weighted assets | 28,060,000 | 29,741,000 | 31,139,000 | 28,086,000 |