Call reports 2015
FARMERS STATE BANK OF WATKINS — 2015
What FARMERS STATE BANK OF WATKINS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 41,665,000 | 41,594,000 | 41,381,000 | 42,047,000 |
| Total loans | 23,291,000 | 23,335,000 | 22,585,000 | 22,527,000 |
| Allowance for loan losses | 278,000 | 284,000 | 266,000 | 276,000 |
| Securities available for sale | 11,212,000 | 11,316,000 | 11,352,000 | 11,969,000 |
| Securities held to maturity | 1,773,000 | 1,769,000 | 1,765,000 | 1,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,111,000 | 36,026,000 | 35,692,000 | 36,424,000 |
| Interest-bearing deposits | 29,857,000 | 30,075,000 | 29,267,000 | 28,467,000 |
| Noninterest-bearing deposits | 6,254,000 | 5,951,000 | 6,425,000 | 7,957,000 |
| Equity capital | 5,301,000 | 5,265,000 | 5,346,000 | 5,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 414,000 | 829,000 | 1,256,000 | 1,658,000 |
| Interest expense | 29,000 | 58,000 | 88,000 | 115,000 |
| Net interest income | 385,000 | 771,000 | 1,168,000 | 1,543,000 |
| Noninterest income | 70,000 | 140,000 | 194,000 | 279,000 |
| Noninterest expense | 284,000 | 560,000 | 852,000 | 1,160,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 41,000 |
| Pretax income | 163,000 | 336,000 | 487,000 | 621,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 163,000 | 336,000 | 487,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,081,000 | 5,120,000 | 5,204,000 | 5,271,000 |
| Total capital | 5,359,000 | 5,404,000 | 5,470,000 | 5,547,000 |
| Risk-weighted assets | 26,425,000 | 25,883,000 | 25,946,000 | 26,090,000 |