Call reports 2010
FARMERS STATE BANK OF WATKINS — 2010
What FARMERS STATE BANK OF WATKINS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 32,882,000 | 33,690,000 | 34,924,000 | 35,463,000 |
| Total loans | 19,259,000 | 19,826,000 | 21,477,000 | 19,677,000 |
| Allowance for loan losses | 240,000 | 248,000 | 242,000 | 204,000 |
| Securities available for sale | 5,890,000 | 6,134,000 | 5,807,000 | 6,346,000 |
| Securities held to maturity | 2,832,000 | 3,007,000 | 3,307,000 | 3,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,705,000 | 28,376,000 | 29,410,000 | 30,115,000 |
| Interest-bearing deposits | 24,118,000 | 24,637,000 | 25,318,000 | 25,722,000 |
| Noninterest-bearing deposits | 3,587,000 | 3,739,000 | 4,092,000 | 4,393,000 |
| Equity capital | 4,742,000 | 4,859,000 | 5,034,000 | 4,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 427,000 | 863,000 | 1,304,000 | 1,738,000 |
| Interest expense | 94,000 | 184,000 | 268,000 | 352,000 |
| Net interest income | 333,000 | 679,000 | 1,036,000 | 1,386,000 |
| Noninterest income | 58,000 | 111,000 | 159,000 | 220,000 |
| Noninterest expense | 239,000 | 511,000 | 747,000 | 1,012,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 144,000 |
| Pretax income | 144,000 | 264,000 | 425,000 | 450,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 144,000 | 264,000 | 425,000 | 450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,618,000 | 4,635,000 | 4,818,000 | 4,817,000 |
| Total capital | 4,850,000 | 4,883,000 | 5,060,000 | 5,021,000 |
| Risk-weighted assets | 23,114,000 | 23,893,000 | 25,513,000 | 23,698,000 |