Call reports 2013
FARMERS STATE BANK, SPENCER — 2013
What FARMERS STATE BANK, SPENCER reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 18,073,000 | 17,565,000 | 16,696,000 | 15,820,000 |
| Total loans | 7,684,000 | 7,175,000 | 7,465,000 | 7,598,000 |
| Allowance for loan losses | 222,000 | 223,000 | 224,000 | 218,000 |
| Securities available for sale | 5,877,000 | 5,679,000 | 6,066,000 | 6,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,975,000 | 15,613,000 | 14,742,000 | 13,330,000 |
| Interest-bearing deposits | 11,955,000 | 11,172,000 | 10,959,000 | 10,396,000 |
| Noninterest-bearing deposits | 4,020,000 | 4,441,000 | 3,783,000 | 2,934,000 |
| Equity capital | 2,078,000 | 1,929,000 | 1,923,000 | 1,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 165,000 | 303,000 | 457,000 | 602,000 |
| Interest expense | 13,000 | 24,000 | 36,000 | 46,000 |
| Net interest income | 152,000 | 279,000 | 421,000 | 556,000 |
| Noninterest income | 17,000 | 38,000 | 55,000 | 68,000 |
| Noninterest expense | 154,000 | 328,000 | 487,000 | 644,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 15,000 | -11,000 | -11,000 | -20,000 |
| Income tax | 5,000 | 0 | 0 | 0 |
| Net income | 10,000 | -11,000 | -11,000 | -20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,049,000 | 2,015,000 | 2,015,000 | 1,981,000 |
| Total capital | 2,196,000 | 2,157,000 | 2,157,000 | 2,123,000 |
| Risk-weighted assets | 11,457,000 | 10,940,000 | 11,086,000 | 11,249,000 |