Call reports 2005
FARMERS STATE BANK OF NORTHERN MISSOURI — 2005
What FARMERS STATE BANK OF NORTHERN MISSOURI 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 | 78,240,000 | 77,706,000 | 78,803,000 | 83,362,000 |
| Total loans | 54,400,000 | 55,876,000 | 56,418,000 | 58,765,000 |
| Allowance for loan losses | 440,000 | 472,000 | 504,000 | 532,000 |
| Securities available for sale | 15,204,000 | 13,670,000 | 13,374,000 | 15,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,376,000 | 64,399,000 | 63,282,000 | 69,790,000 |
| Interest-bearing deposits | 59,501,000 | 58,254,000 | 56,686,000 | 62,426,000 |
| Noninterest-bearing deposits | 6,875,000 | 6,145,000 | 6,596,000 | 7,364,000 |
| Equity capital | 7,245,000 | 7,331,000 | 7,331,000 | 7,331,000 |
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 | 1,059,000 | 2,150,000 | 3,262,000 | 4,406,000 |
| Interest expense | 428,000 | 889,000 | 1,406,000 | 1,952,000 |
| Net interest income | 631,000 | 1,261,000 | 1,856,000 | 2,454,000 |
| Noninterest income | 103,000 | 228,000 | 350,000 | 528,000 |
| Noninterest expense | 450,000 | 924,000 | 1,543,000 | 2,181,000 |
| Provision for loan losses | 43,000 | 208,000 | 246,000 | 286,000 |
| Pretax income | 241,000 | 357,000 | 417,000 | 515,000 |
| Income tax | 79,000 | 108,000 | 121,000 | 157,000 |
| Net income | 162,000 | 249,000 | 296,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,463,000 | 5,523,000 | 5,543,000 | 5,578,000 |
| Total capital | 5,903,000 | 5,995,000 | 6,047,000 | 6,110,000 |
| Risk-weighted assets | 53,420,000 | 54,131,000 | 58,517,000 | 57,429,000 |