Call reports 2006
FARMERS STATE BANK, SPENCER — 2006
What FARMERS STATE BANK, SPENCER reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 18,341,000 | 18,725,000 | 19,735,000 | 19,982,000 |
| Total loans | 7,482,000 | 8,488,000 | 9,172,000 | 9,903,000 |
| Allowance for loan losses | 103,000 | 96,000 | 98,000 | 95,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,859,000 | 9,459,000 | 9,419,000 | 8,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,051,000 | 13,936,000 | 13,842,000 | 14,765,000 |
| Interest-bearing deposits | 12,217,000 | 12,252,000 | 12,126,000 | 12,862,000 |
| Noninterest-bearing deposits | 1,834,000 | 1,684,000 | 1,716,000 | 1,903,000 |
| Equity capital | 2,466,000 | 2,455,000 | 2,452,000 | 2,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 467,000 | 734,000 | 1,016,000 |
| Interest expense | 112,000 | 239,000 | 388,000 | 548,000 |
| Net interest income | 110,000 | 228,000 | 346,000 | 468,000 |
| Noninterest income | 22,000 | 38,000 | 53,000 | 65,000 |
| Noninterest expense | 128,000 | 238,000 | 374,000 | 573,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 58,000 |
| Pretax income | 4,000 | -7,000 | -10,000 | -98,000 |
| Income tax | 0 | 0 | 0 | -32,000 |
| Net income | 4,000 | -7,000 | -10,000 | -66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,466,000 | 2,455,000 | 2,452,000 | 2,376,000 |
| Total capital | 2,569,000 | 2,551,000 | 2,550,000 | 2,471,000 |
| Risk-weighted assets | 10,721,000 | 11,091,000 | 11,925,000 | 12,567,000 |