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 | 89,005,000 | 88,650,000 | 85,805,000 | 89,801,000 |
| Total loans | 65,602,000 | 63,785,000 | 63,011,000 | 62,840,000 |
| Allowance for loan losses | 815,000 | 838,000 | 777,000 | 815,000 |
| Securities available for sale | 16,377,000 | 16,656,000 | 16,605,000 | 16,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,200,000 | 74,249,000 | 71,466,000 | 77,420,000 |
| Interest-bearing deposits | 58,662,000 | 57,342,000 | 46,842,000 | 58,376,000 |
| Noninterest-bearing deposits | 16,538,000 | 16,908,000 | 24,624,000 | 19,044,000 |
| Equity capital | 9,239,000 | 9,605,000 | 9,694,000 | 9,731,000 |
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 | 1,264,000 | 2,440,000 | 3,727,000 | 5,228,000 |
| Interest expense | 341,000 | 714,000 | 1,096,000 | 1,504,000 |
| Net interest income | 923,000 | 1,726,000 | 2,631,000 | 3,724,000 |
| Noninterest income | 107,000 | 351,000 | 548,000 | 567,000 |
| Noninterest expense | 802,000 | 1,586,000 | 2,350,000 | 3,176,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 183,000 | 399,000 | 690,000 | 930,000 |
| Income tax | 40,000 | 93,000 | 165,000 | 223,000 |
| Net income | 143,000 | 306,000 | 525,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,404,000 | 9,550,000 | 9,749,000 | 9,543,000 |
| Total capital | 10,219,000 | 10,359,000 | 10,526,000 | 10,358,000 |
| Risk-weighted assets | 66,403,000 | 64,683,000 | 63,402,000 | 65,828,000 |