Call reports 2005
FARMERS BANK — 2005
What 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 | 94,612,000 | 103,793,000 | 107,665,000 | 111,787,000 |
| Total loans | 81,312,000 | 92,304,000 | 94,035,000 | 99,996,000 |
| Allowance for loan losses | 534,000 | 572,000 | 626,000 | 678,000 |
| Securities available for sale | 2,879,000 | 2,839,000 | 3,270,000 | 3,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,576,000 | 86,099,000 | 89,315,000 | 92,749,000 |
| Interest-bearing deposits | 71,140,000 | 78,662,000 | 81,045,000 | 82,749,000 |
| Noninterest-bearing deposits | 8,436,000 | 7,437,000 | 8,271,000 | 10,000,000 |
| Equity capital | 10,986,000 | 12,106,000 | 12,638,000 | 13,358,000 |
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 | 1,514,000 | 3,288,000 | 5,251,000 | 7,367,000 |
| Interest expense | 401,000 | 937,000 | 1,562,000 | 2,248,000 |
| Net interest income | 1,113,000 | 2,351,000 | 3,689,000 | 5,119,000 |
| Noninterest income | 52,000 | 109,000 | 171,000 | 219,000 |
| Noninterest expense | 496,000 | 990,000 | 1,502,000 | 2,039,000 |
| Provision for loan losses | 30,000 | 70,000 | 125,000 | 175,000 |
| Pretax income | 639,000 | 1,400,000 | 2,233,000 | 3,124,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 639,000 | 1,400,000 | 2,233,000 | 3,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,443,000 | 9,590,000 | 10,135,000 | 10,878,000 |
| Total capital | 8,977,000 | 10,161,000 | 10,761,000 | 11,556,000 |
| Risk-weighted assets | 83,046,000 | 94,266,000 | 96,920,000 | 102,557,000 |