Call reports 2005
INDEPENDENT FARMERS BANK — 2005
What INDEPENDENT FARMERS 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 | 65,187,000 | 65,551,000 | 66,802,000 | 68,137,000 |
| Total loans | 41,218,000 | 44,573,000 | 46,434,000 | 47,301,000 |
| Allowance for loan losses | 432,000 | 456,000 | 492,000 | 493,000 |
| Securities available for sale | 21,005,000 | 18,146,000 | 17,150,000 | 16,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,125,000 | 55,583,000 | 55,104,000 | 57,633,000 |
| Interest-bearing deposits | 50,760,000 | 49,985,000 | 50,180,000 | 50,877,000 |
| Noninterest-bearing deposits | 5,365,000 | 5,598,000 | 4,924,000 | 6,756,000 |
| Equity capital | 4,845,000 | 5,076,000 | 5,237,000 | 5,077,000 |
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 | 864,000 | 1,782,000 | 2,775,000 | 3,791,000 |
| Interest expense | 298,000 | 620,000 | 984,000 | 1,375,000 |
| Net interest income | 566,000 | 1,162,000 | 1,791,000 | 2,416,000 |
| Noninterest income | 80,000 | 169,000 | 253,000 | 352,000 |
| Noninterest expense | 438,000 | 859,000 | 1,272,000 | 1,675,000 |
| Provision for loan losses | 14,000 | 34,000 | 70,000 | 45,000 |
| Pretax income | 194,000 | 431,000 | 695,000 | 1,041,000 |
| Income tax | 56,000 | 126,000 | 206,000 | 315,000 |
| Net income | 138,000 | 305,000 | 489,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,934,000 | 5,101,000 | 5,285,000 | 5,185,000 |
| Total capital | 5,366,000 | 5,557,000 | 5,777,000 | 5,678,000 |
| Risk-weighted assets | 44,583,000 | 46,808,000 | 48,202,000 | 49,034,000 |
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