Call reports 2005
FARMERS STATE BANK OF DENT — 2005
What FARMERS STATE BANK OF DENT 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 | 24,243,000 | 25,035,000 | 25,537,000 | 25,020,000 |
| Total loans | 15,733,000 | 15,875,000 | 16,797,000 | 16,888,000 |
| Allowance for loan losses | 262,000 | 251,000 | 251,000 | 234,000 |
| Securities available for sale | 2,845,000 | 3,253,000 | 3,378,000 | 4,095,000 |
| Securities held to maturity | 1,352,000 | 1,342,000 | 1,298,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,245,000 | 22,974,000 | 23,440,000 | 22,902,000 |
| Interest-bearing deposits | 18,149,000 | 18,958,000 | 19,049,000 | 18,840,000 |
| Noninterest-bearing deposits | 4,096,000 | 4,016,000 | 4,391,000 | 4,062,000 |
| Equity capital | 1,862,000 | 1,918,000 | 1,970,000 | 1,987,000 |
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 | 354,000 | 735,000 | 1,119,000 | 1,534,000 |
| Interest expense | 79,000 | 176,000 | 285,000 | 414,000 |
| Net interest income | 275,000 | 559,000 | 834,000 | 1,120,000 |
| Noninterest income | 26,000 | 42,000 | 96,000 | 116,000 |
| Noninterest expense | 258,000 | 515,000 | 761,000 | 1,032,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 41,000 | 84,000 | 167,000 | 202,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 41,000 | 84,000 | 167,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,916,000 | 1,959,000 | 2,034,000 | 2,068,000 |
| Total capital | 2,114,000 | 2,156,000 | 2,245,000 | 2,277,000 |
| Risk-weighted assets | 15,771,000 | 16,070,000 | 16,865,000 | 16,710,000 |