Call reports 2005
FARMERS STATE BANK — 2005
What FARMERS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 14,766,000 | 15,717,000 | 15,469,000 | 15,419,000 |
| Total loans | 10,767,000 | 11,590,000 | 11,568,000 | 11,375,000 |
| Allowance for loan losses | 189,000 | 196,000 | 209,000 | 223,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,853,000 | 2,953,000 | 2,973,000 | 3,398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,328,000 | 14,278,000 | 13,619,000 | 13,937,000 |
| Interest-bearing deposits | 12,080,000 | 13,082,000 | 12,638,000 | 12,975,000 |
| Noninterest-bearing deposits | 1,248,000 | 1,196,000 | 981,000 | 962,000 |
| Equity capital | 1,363,000 | 1,382,000 | 1,410,000 | 1,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 213,000 | 446,000 | 692,000 | 945,000 |
| Interest expense | 73,000 | 162,000 | 258,000 | 362,000 |
| Net interest income | 140,000 | 284,000 | 434,000 | 583,000 |
| Noninterest income | 18,000 | 28,000 | 48,000 | 61,000 |
| Noninterest expense | 98,000 | 224,000 | 348,000 | 459,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 54,000 | 76,000 | 116,000 | 161,000 |
| Income tax | 18,000 | 21,000 | 33,000 | 46,000 |
| Net income | 36,000 | 55,000 | 83,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,363,000 | 1,382,000 | 1,410,000 | 1,442,000 |
| Total capital | 1,495,000 | 1,522,000 | 1,548,000 | 1,581,000 |
| Risk-weighted assets | 10,499,000 | 11,117,000 | 10,970,000 | 11,044,000 |