Call reports 2005
FARMERS STATE BANK & TRUST COMPANY — 2005
What FARMERS STATE BANK & TRUST COMPANY 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 | 61,055,000 | 60,961,000 | 62,373,000 | 60,425,000 |
| Total loans | 36,215,000 | 38,110,000 | 38,353,000 | 38,609,000 |
| Allowance for loan losses | 646,000 | 636,000 | 644,000 | 646,000 |
| Securities available for sale | 15,453,000 | 14,268,000 | 13,355,000 | 12,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,346,000 | 52,885,000 | 54,212,000 | 54,878,000 |
| Interest-bearing deposits | 41,594,000 | 41,016,000 | 39,822,000 | 39,975,000 |
| Noninterest-bearing deposits | 11,752,000 | 11,868,000 | 14,390,000 | 14,903,000 |
| Equity capital | 7,357,000 | 7,604,000 | 7,545,000 | 5,279,000 |
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 | 792,000 | 1,648,000 | 2,527,000 | 3,421,000 |
| Interest expense | 117,000 | 253,000 | 405,000 | 579,000 |
| Net interest income | 675,000 | 1,395,000 | 2,122,000 | 2,842,000 |
| Noninterest income | 196,000 | 374,000 | 542,000 | 706,000 |
| Noninterest expense | 554,000 | 1,130,000 | 2,013,000 | 2,687,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 317,000 | 639,000 | 601,000 | 811,000 |
| Income tax | 70,000 | 165,000 | 165,000 | 171,000 |
| Net income | 247,000 | 474,000 | 436,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,376,000 | 7,574,000 | 7,537,000 | 5,302,000 |
| Total capital | 7,855,000 | 8,068,000 | 8,038,000 | 5,795,000 |
| Risk-weighted assets | 38,142,000 | 39,349,000 | 39,916,000 | 39,325,000 |