Call reports 2002
FARMERS STATE BANK, SPENCER — 2002
What FARMERS STATE BANK, SPENCER reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 14,552,000 | 14,809,000 | 14,525,000 | 15,315,000 |
| Total loans | 5,110,000 | 5,480,000 | 5,782,000 | 5,850,000 |
| Allowance for loan losses | 78,000 | 101,000 | 100,000 | 119,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,634,000 | 7,933,000 | 7,109,000 | 7,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,072,000 | 12,336,000 | 11,983,000 | 12,847,000 |
| Interest-bearing deposits | 10,733,000 | 10,890,000 | 10,644,000 | 11,288,000 |
| Noninterest-bearing deposits | 1,339,000 | 1,446,000 | 1,339,000 | 1,559,000 |
| Equity capital | 2,334,000 | 2,336,000 | 2,389,000 | 2,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 223,000 | 444,000 | 667,000 | 885,000 |
| Interest expense | 87,000 | 170,000 | 249,000 | 324,000 |
| Net interest income | 136,000 | 274,000 | 418,000 | 561,000 |
| Noninterest income | 13,000 | 24,000 | 36,000 | 47,000 |
| Noninterest expense | 101,000 | 224,000 | 312,000 | 503,000 |
| Provision for loan losses | 0 | 23,000 | 23,000 | 48,000 |
| Pretax income | 48,000 | 51,000 | 119,000 | 57,000 |
| Income tax | 5,000 | 6,000 | 21,000 | 5,000 |
| Net income | 43,000 | 45,000 | 98,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,334,000 | 2,336,000 | 2,389,000 | 2,323,000 |
| Total capital | 2,412,000 | 2,434,000 | 2,489,000 | 2,426,000 |
| Risk-weighted assets | 7,999,000 | 7,822,000 | 8,006,000 | 8,204,000 |