Call reports 2005
FARMERS BANK OF WILLARDS, THE — 2005
What FARMERS BANK OF WILLARDS, THE 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 | 197,513,000 | 206,547,000 | 213,405,000 | 222,613,000 |
| Total loans | 173,413,000 | 181,260,000 | 187,351,000 | 194,317,000 |
| Allowance for loan losses | 1,675,000 | 1,766,000 | 1,857,000 | 1,881,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,861,000 | 15,593,000 | 15,305,000 | 15,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,414,000 | 180,073,000 | 182,758,000 | 202,185,000 |
| Interest-bearing deposits | 150,593,000 | 152,488,000 | 155,914,000 | 172,769,000 |
| Noninterest-bearing deposits | 22,821,000 | 27,585,000 | 26,844,000 | 29,416,000 |
| Equity capital | 17,001,000 | 17,802,000 | 18,686,000 | 18,968,000 |
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 | 3,096,000 | 6,510,000 | 10,175,000 | 14,008,000 |
| Interest expense | 831,000 | 1,808,000 | 2,899,000 | 4,165,000 |
| Net interest income | 2,265,000 | 4,702,000 | 7,276,000 | 9,843,000 |
| Noninterest income | 152,000 | 296,000 | 448,000 | 596,000 |
| Noninterest expense | 1,229,000 | 2,484,000 | 3,745,000 | 5,177,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 342,000 |
| Pretax income | 1,099,000 | 2,335,000 | 3,710,000 | 4,921,000 |
| Income tax | 384,000 | 819,000 | 1,310,000 | 1,757,000 |
| Net income | 715,000 | 1,516,000 | 2,400,000 | 3,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,001,000 | 17,802,000 | 18,686,000 | 18,968,000 |
| Total capital | 18,676,000 | 19,568,000 | 20,543,000 | 20,867,000 |
| Risk-weighted assets | 146,212,000 | 154,153,000 | 158,661,000 | 167,205,000 |