Call reports 2006
FARMERS STATE BANK OF WATKINS — 2006
What FARMERS STATE BANK OF WATKINS 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 | 29,550,000 | 28,650,000 | 28,433,000 | 29,504,000 |
| Total loans | 14,175,000 | 14,497,000 | 14,322,000 | 13,647,000 |
| Allowance for loan losses | 175,000 | 177,000 | 182,000 | 177,000 |
| Securities available for sale | 4,387,000 | 4,492,000 | 4,531,000 | 4,577,000 |
| Securities held to maturity | 4,688,000 | 5,132,000 | 5,384,000 | 5,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,962,000 | 24,114,000 | 23,651,000 | 24,698,000 |
| Interest-bearing deposits | 21,322,000 | 20,582,000 | 20,039,000 | 20,795,000 |
| Noninterest-bearing deposits | 3,639,000 | 3,532,000 | 3,612,000 | 3,903,000 |
| Equity capital | 4,047,000 | 3,964,000 | 4,182,000 | 4,308,000 |
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 | 418,000 | 847,000 | 1,283,000 | 1,728,000 |
| Interest expense | 133,000 | 273,000 | 422,000 | 579,000 |
| Net interest income | 285,000 | 574,000 | 861,000 | 1,149,000 |
| Noninterest income | 50,000 | 109,000 | 173,000 | 235,000 |
| Noninterest expense | 218,000 | 436,000 | 645,000 | 872,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 247,000 | 389,000 | 512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 117,000 | 247,000 | 389,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,187,000 | 4,198,000 | 4,301,000 | 4,424,000 |
| Total capital | 4,362,000 | 4,375,000 | 4,483,000 | 4,601,000 |
| Risk-weighted assets | 19,119,000 | 19,411,000 | 19,289,000 | 19,036,000 |