Call reports 2005
FARMERS STATE BANK, SPENCER — 2005
What FARMERS STATE BANK, SPENCER reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 17,364,000 | 17,774,000 | 17,938,000 | 17,663,000 |
| Total loans | 5,040,000 | 5,589,000 | 6,171,000 | 7,181,000 |
| Allowance for loan losses | 102,000 | 98,000 | 98,000 | 102,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,674,000 | 11,174,000 | 10,835,000 | 9,859,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,769,000 | 14,646,000 | 14,291,000 | 13,848,000 |
| Interest-bearing deposits | 12,959,000 | 12,553,000 | 12,525,000 | 11,891,000 |
| Noninterest-bearing deposits | 1,810,000 | 2,093,000 | 1,766,000 | 1,957,000 |
| Equity capital | 2,481,000 | 2,505,000 | 2,528,000 | 2,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 189,000 | 381,000 | 590,000 | 808,000 |
| Interest expense | 65,000 | 142,000 | 233,000 | 334,000 |
| Net interest income | 124,000 | 239,000 | 357,000 | 474,000 |
| Noninterest income | 18,000 | 39,000 | 58,000 | 73,000 |
| Noninterest expense | 102,000 | 211,000 | 318,000 | 510,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 40,000 | 67,000 | 97,000 | 37,000 |
| Income tax | 5,000 | 8,000 | 15,000 | 1,000 |
| Net income | 35,000 | 59,000 | 82,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,481,000 | 2,505,000 | 2,528,000 | 2,462,000 |
| Total capital | 2,583,000 | 2,603,000 | 2,626,000 | 2,564,000 |
| Risk-weighted assets | 8,379,000 | 9,290,000 | 9,838,000 | 9,835,000 |