Call reports 2009
FARMERS STATE BANK OF WATKINS — 2009
What FARMERS STATE BANK OF WATKINS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 31,925,000 | 32,669,000 | 32,836,000 | 33,284,000 |
| Total loans | 19,583,000 | 19,460,000 | 19,610,000 | 19,364,000 |
| Allowance for loan losses | 191,000 | 187,000 | 204,000 | 281,000 |
| Securities available for sale | 3,761,000 | 4,519,000 | 4,820,000 | 5,615,000 |
| Securities held to maturity | 3,736,000 | 3,733,000 | 3,770,000 | 3,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,793,000 | 27,446,000 | 27,040,000 | 28,018,000 |
| Interest-bearing deposits | 23,427,000 | 23,890,000 | 23,591,000 | 23,783,000 |
| Noninterest-bearing deposits | 3,367,000 | 3,556,000 | 3,449,000 | 4,235,000 |
| Equity capital | 4,639,000 | 4,708,000 | 4,882,000 | 4,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 443,000 | 887,000 | 1,326,000 | 1,767,000 |
| Interest expense | 115,000 | 228,000 | 336,000 | 439,000 |
| Net interest income | 328,000 | 659,000 | 990,000 | 1,328,000 |
| Noninterest income | 56,000 | 112,000 | 163,000 | 213,000 |
| Noninterest expense | 234,000 | 478,000 | 727,000 | 982,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 150,000 | 293,000 | 426,000 | 459,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 150,000 | 293,000 | 426,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,583,000 | 4,642,000 | 4,733,000 | 4,724,000 |
| Total capital | 4,774,000 | 4,829,000 | 4,937,000 | 5,005,000 |
| Risk-weighted assets | 23,224,000 | 25,138,000 | 24,723,000 | 23,571,000 |