Call reports 2012
FARMERS STATE BANK, SPENCER — 2012
What FARMERS STATE BANK, SPENCER reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 16,980,000 | 17,518,000 | 16,919,000 | 18,113,000 |
| Total loans | 8,353,000 | 8,330,000 | 8,769,000 | 7,929,000 |
| Allowance for loan losses | 235,000 | 233,000 | 236,000 | 237,000 |
| Securities available for sale | 4,515,000 | 4,383,000 | 5,004,000 | 5,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,893,000 | 15,428,000 | 14,356,000 | 15,990,000 |
| Interest-bearing deposits | 11,933,000 | 11,850,000 | 11,195,000 | 11,246,000 |
| Noninterest-bearing deposits | 2,960,000 | 3,578,000 | 3,161,000 | 4,744,000 |
| Equity capital | 2,073,000 | 2,076,000 | 2,128,000 | 2,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 169,000 | 349,000 | 537,000 | 714,000 |
| Interest expense | 18,000 | 36,000 | 50,000 | 62,000 |
| Net interest income | 151,000 | 313,000 | 487,000 | 652,000 |
| Noninterest income | 18,000 | 35,000 | 50,000 | 70,000 |
| Noninterest expense | 140,000 | 306,000 | 453,000 | 662,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 42,000 | 84,000 | 60,000 |
| Income tax | 10,000 | 14,000 | 28,000 | 23,000 |
| Net income | 19,000 | 28,000 | 56,000 | 37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,066,000 | 2,075,000 | 2,103,000 | 2,064,000 |
| Total capital | 2,210,000 | 2,227,000 | 2,257,000 | 2,214,000 |
| Risk-weighted assets | 11,412,000 | 11,784,000 | 12,213,000 | 11,502,000 |