Call reports 2005
FARMERS STATE BANK OF WATKINS — 2005
What FARMERS STATE BANK OF WATKINS 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 | 30,929,000 | 30,298,000 | 30,423,000 | 31,066,000 |
| Total loans | 13,779,000 | 14,322,000 | 16,147,000 | 14,257,000 |
| Allowance for loan losses | 172,000 | 180,000 | 181,000 | 175,000 |
| Securities available for sale | 6,041,000 | 5,877,000 | 5,219,000 | 4,686,000 |
| Securities held to maturity | 3,475,000 | 4,177,000 | 4,175,000 | 4,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,422,000 | 24,883,000 | 25,685,000 | 26,315,000 |
| Interest-bearing deposits | 22,373,000 | 21,643,000 | 21,912,000 | 21,602,000 |
| Noninterest-bearing deposits | 4,049,000 | 3,240,000 | 3,773,000 | 4,713,000 |
| Equity capital | 3,967,000 | 4,107,000 | 4,137,000 | 4,248,000 |
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 | 420,000 | 843,000 | 1,284,000 | 1,726,000 |
| Interest expense | 102,000 | 213,000 | 336,000 | 462,000 |
| Net interest income | 318,000 | 630,000 | 948,000 | 1,264,000 |
| Noninterest income | 53,000 | 105,000 | 162,000 | 221,000 |
| Noninterest expense | 199,000 | 408,000 | 611,000 | 857,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 172,000 | 327,000 | 485,000 | 609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 172,000 | 327,000 | 485,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,128,000 | 4,136,000 | 4,222,000 | 4,346,000 |
| Total capital | 4,300,000 | 4,316,000 | 4,403,000 | 4,521,000 |
| Risk-weighted assets | 19,700,000 | 19,945,000 | 21,382,000 | 19,648,000 |