Call reports 2010
FARMERS STATE BANK, SPENCER — 2010
What FARMERS STATE BANK, SPENCER reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 16,993,000 | 15,987,000 | 15,821,000 | 16,656,000 |
| Total loans | 8,507,000 | 7,567,000 | 7,211,000 | 6,856,000 |
| Allowance for loan losses | 321,000 | 313,000 | 306,000 | 309,000 |
| Securities available for sale | 2,052,000 | 1,771,000 | 1,762,000 | 1,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,927,000 | 13,896,000 | 13,699,000 | 14,572,000 |
| Interest-bearing deposits | 12,722,000 | 11,582,000 | 11,295,000 | 11,177,000 |
| Noninterest-bearing deposits | 2,205,000 | 2,314,000 | 2,404,000 | 3,395,000 |
| Equity capital | 2,035,000 | 2,064,000 | 2,098,000 | 2,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 206,000 | 407,000 | 603,000 | 788,000 |
| Interest expense | 48,000 | 88,000 | 119,000 | 147,000 |
| Net interest income | 158,000 | 319,000 | 484,000 | 641,000 |
| Noninterest income | 15,000 | 30,000 | 44,000 | 62,000 |
| Noninterest expense | 149,000 | 301,000 | 434,000 | 660,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 24,000 | 48,000 | 94,000 | 43,000 |
| Income tax | 5,000 | 10,000 | 20,000 | 2,000 |
| Net income | 19,000 | 38,000 | 74,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,043,000 | 2,036,000 | 2,093,000 | 2,040,000 |
| Total capital | 2,178,000 | 2,158,000 | 2,212,000 | 2,156,000 |
| Risk-weighted assets | 10,642,000 | 9,281,000 | 13,256,000 | 8,520,000 |