Call reports 2006
FARMERS STATE BANK OF NORTHERN MISSOURI — 2006
What FARMERS STATE BANK OF NORTHERN MISSOURI reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 85,467,000 | 87,717,000 | 88,692,000 | 95,640,000 |
| Total loans | 61,428,000 | 63,974,000 | 65,464,000 | 65,556,000 |
| Allowance for loan losses | 656,000 | 731,000 | 760,000 | 789,000 |
| Securities available for sale | 14,005,000 | 13,141,000 | 13,236,000 | 13,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,344,000 | 63,798,000 | 71,699,000 | 81,126,000 |
| Interest-bearing deposits | 57,266,000 | 57,146,000 | 64,904,000 | 74,250,000 |
| Noninterest-bearing deposits | 8,078,000 | 6,652,000 | 6,795,000 | 6,876,000 |
| Equity capital | 6,972,000 | 6,971,000 | 7,061,000 | 7,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,501,000 | 3,860,000 | 5,278,000 |
| Interest expense | 662,000 | 1,385,000 | 2,205,000 | 3,056,000 |
| Net interest income | 549,000 | 1,116,000 | 1,655,000 | 2,222,000 |
| Noninterest income | 291,000 | 634,000 | 932,000 | 1,129,000 |
| Noninterest expense | 1,169,000 | 1,869,000 | 2,608,000 | 3,414,000 |
| Provision for loan losses | 189,000 | 297,000 | 338,000 | 390,000 |
| Pretax income | -518,000 | -416,000 | -359,000 | -453,000 |
| Income tax | -205,000 | -171,000 | -159,000 | -207,000 |
| Net income | -313,000 | -245,000 | -200,000 | -246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,242,000 | 5,287,000 | 5,310,000 | 6,040,000 |
| Total capital | 5,898,000 | 6,018,000 | 6,070,000 | 6,829,000 |
| Risk-weighted assets | 58,368,000 | 60,149,000 | 61,869,000 | 64,463,000 |