Call reports 2005
FARMERS EXCHANGE BANK — 2005
What FARMERS EXCHANGE 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 | 104,495,000 | 103,274,000 | 104,121,000 | 112,022,000 |
| Total loans | 78,895,000 | 78,564,000 | 79,701,000 | 87,831,000 |
| Allowance for loan losses | 1,337,000 | 1,447,000 | 1,585,000 | 1,629,000 |
| Securities available for sale | 14,750,000 | 15,255,000 | 13,774,000 | 13,371,000 |
| Securities held to maturity | 275,000 | 275,000 | 220,000 | 220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,098,000 | 87,109,000 | 86,995,000 | 87,710,000 |
| Interest-bearing deposits | 69,874,000 | 69,787,000 | 67,668,000 | 68,259,000 |
| Noninterest-bearing deposits | 17,224,000 | 17,322,000 | 19,327,000 | 19,451,000 |
| Equity capital | 8,103,000 | 8,457,000 | 8,943,000 | 8,955,000 |
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 | 1,467,000 | 3,021,000 | 4,652,000 | 6,485,000 |
| Interest expense | 373,000 | 769,000 | 1,198,000 | 1,695,000 |
| Net interest income | 1,094,000 | 2,252,000 | 3,454,000 | 4,790,000 |
| Noninterest income | 277,000 | 592,000 | 861,000 | 1,113,000 |
| Noninterest expense | 771,000 | 1,563,000 | 2,366,000 | 3,451,000 |
| Provision for loan losses | 138,000 | 276,000 | 414,000 | 687,000 |
| Pretax income | 462,000 | 984,000 | 1,514,000 | 1,744,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 462,000 | 984,000 | 1,514,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,746,000 | 7,022,000 | 7,436,000 | 7,549,000 |
| Total capital | 8,039,000 | 8,324,000 | 8,791,000 | 9,027,000 |
| Risk-weighted assets | 74,950,000 | 75,462,000 | 77,190,000 | 85,912,000 |