Call reports 2005
FARMERS BANK, FRANKFORT, INDIANA, INC., THE — 2005
What FARMERS BANK, FRANKFORT, INDIANA, INC., 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 | 435,634,000 | 426,147,000 | 415,049,000 | 415,669,000 |
| Total loans | 315,502,000 | 296,283,000 | 284,638,000 | 274,886,000 |
| Allowance for loan losses | 6,192,000 | 4,871,000 | 4,985,000 | 5,073,000 |
| Securities available for sale | 53,928,000 | 55,214,000 | 58,088,000 | 62,158,000 |
| Securities held to maturity | 32,149,000 | 31,745,000 | 34,397,000 | 37,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,507,000 | 327,537,000 | 317,933,000 | 322,648,000 |
| Interest-bearing deposits | 284,276,000 | 281,512,000 | 273,532,000 | 274,900,000 |
| Noninterest-bearing deposits | 49,231,000 | 46,025,000 | 44,401,000 | 47,748,000 |
| Equity capital | 38,854,000 | 38,698,000 | 38,496,000 | 38,333,000 |
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 | 5,866,000 | 11,757,000 | 17,583,000 | 23,556,000 |
| Interest expense | 2,281,000 | 4,650,000 | 7,216,000 | 9,663,000 |
| Net interest income | 3,585,000 | 7,107,000 | 10,367,000 | 13,893,000 |
| Noninterest income | 1,036,000 | 2,020,000 | 3,030,000 | 3,936,000 |
| Noninterest expense | 3,156,000 | 6,511,000 | 9,734,000 | 13,135,000 |
| Provision for loan losses | 1,185,000 | 2,538,000 | 2,793,000 | 2,963,000 |
| Pretax income | 280,000 | 78,000 | 870,000 | 1,731,000 |
| Income tax | -110,000 | -387,000 | -248,000 | -87,000 |
| Net income | 390,000 | 465,000 | 1,118,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,198,000 | 38,815,000 | 38,755,000 | 38,996,000 |
| Total capital | 43,555,000 | 42,973,000 | 42,771,000 | 42,928,000 |
| Risk-weighted assets | 346,719,000 | 331,948,000 | 320,330,000 | 313,389,000 |