Call reports 2016
FARMERS STATE BANK OF WATKINS — 2016
What FARMERS STATE BANK OF WATKINS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 41,707,000 | 41,502,000 | 44,841,000 | 44,799,000 |
| Total loans | 21,813,000 | 22,268,000 | 21,571,000 | 20,161,000 |
| Allowance for loan losses | 285,000 | 295,000 | 300,000 | 287,000 |
| Securities available for sale | 12,373,000 | 12,527,000 | 14,521,000 | 14,248,000 |
| Securities held to maturity | 1,402,000 | 1,347,000 | 1,293,000 | 1,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,135,000 | 35,823,000 | 39,071,000 | 39,372,000 |
| Interest-bearing deposits | 29,832,000 | 29,028,000 | 30,245,000 | 30,200,000 |
| Noninterest-bearing deposits | 6,303,000 | 6,795,000 | 8,826,000 | 9,172,000 |
| Equity capital | 5,298,000 | 5,361,000 | 5,411,000 | 5,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 792,000 | 1,188,000 | 1,557,000 |
| Interest expense | 27,000 | 54,000 | 81,000 | 107,000 |
| Net interest income | 370,000 | 738,000 | 1,107,000 | 1,450,000 |
| Noninterest income | 71,000 | 127,000 | 189,000 | 242,000 |
| Noninterest expense | 287,000 | 568,000 | 859,000 | 1,135,000 |
| Provision for loan losses | 9,000 | 15,000 | 23,000 | 38,000 |
| Pretax income | 145,000 | 286,000 | 417,000 | 528,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 286,000 | 417,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,140,000 | 5,144,000 | 5,207,000 | 5,318,000 |
| Total capital | 5,425,000 | 5,439,000 | 5,507,000 | 5,605,000 |
| Risk-weighted assets | 25,653,000 | 25,618,000 | 25,511,000 | 25,364,000 |