Call reports 2014
FARMERS STATE BANK, SPENCER — 2014
What FARMERS STATE BANK, SPENCER reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 21,647,000 | 22,511,000 | 26,253,000 | 28,343,000 |
| Total loans | 12,158,000 | 12,073,000 | 17,947,000 | 21,137,000 |
| Allowance for loan losses | 213,000 | 215,000 | 21,000 | 162,000 |
| Securities available for sale | 5,679,000 | 5,738,000 | 5,306,000 | 2,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,723,000 | 20,544,000 | 22,039,000 | 24,193,000 |
| Interest-bearing deposits | 16,218,000 | 16,867,000 | 17,855,000 | 19,159,000 |
| Noninterest-bearing deposits | 3,505,000 | 3,677,000 | 4,184,000 | 5,034,000 |
| Equity capital | 1,911,000 | 1,946,000 | 4,202,000 | 4,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 137,000 | 306,000 | 492,000 | 735,000 |
| Interest expense | 9,000 | 26,000 | 44,000 | 63,000 |
| Net interest income | 128,000 | 280,000 | 448,000 | 672,000 |
| Noninterest income | 14,000 | 25,000 | 24,000 | 61,000 |
| Noninterest expense | 141,000 | 310,000 | 474,000 | 708,000 |
| Provision for loan losses | 0 | 0 | -1,000 | 138,000 |
| Pretax income | 1,000 | -5,000 | -1,000 | -111,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000 | -5,000 | -1,000 | -111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,982,000 | 1,975,000 | 3,772,000 | 3,705,000 |
| Total capital | 2,178,000 | 2,170,000 | 3,793,000 | 3,867,000 |
| Risk-weighted assets | 15,662,000 | 15,560,000 | 21,809,000 | 24,273,000 |