Call reports 2005
FARMERS BANK AND TRUST COMPANY — 2005
What FARMERS BANK AND TRUST COMPANY 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 | 92,348,000 | 90,279,000 | 89,409,000 | 89,652,000 |
| Total loans | 42,558,000 | 43,188,000 | 43,317,000 | 43,435,000 |
| Allowance for loan losses | 788,000 | 806,000 | 831,000 | 750,000 |
| Securities available for sale | 32,070,000 | 35,033,000 | 32,714,000 | 34,149,000 |
| Securities held to maturity | 5,707,000 | 5,432,000 | 4,872,000 | 4,534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,036,000 | 73,588,000 | 72,651,000 | 72,939,000 |
| Interest-bearing deposits | 63,245,000 | 60,885,000 | 59,896,000 | 59,385,000 |
| Noninterest-bearing deposits | 12,791,000 | 12,703,000 | 12,755,000 | 13,554,000 |
| Equity capital | 15,749,000 | 16,132,000 | 16,153,000 | 16,156,000 |
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 | 1,121,000 | 2,288,000 | 3,473,000 | 4,696,000 |
| Interest expense | 290,000 | 604,000 | 948,000 | 1,320,000 |
| Net interest income | 831,000 | 1,684,000 | 2,525,000 | 3,376,000 |
| Noninterest income | 241,000 | 509,000 | 758,000 | 1,037,000 |
| Noninterest expense | 679,000 | 1,323,000 | 1,974,000 | 2,628,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 87,000 |
| Pretax income | 348,000 | 780,000 | 1,174,000 | 1,698,000 |
| Income tax | 95,000 | 221,000 | 335,000 | 495,000 |
| Net income | 253,000 | 559,000 | 839,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,068,000 | 16,274,000 | 16,429,000 | 16,493,000 |
| Total capital | 16,654,000 | 16,856,000 | 17,014,000 | 17,076,000 |
| Risk-weighted assets | 46,689,000 | 46,375,000 | 46,573,000 | 46,511,000 |