Call reports 2005
FARMERS AND TRADERS SAVINGS BANK — 2005
What FARMERS AND TRADERS SAVINGS 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 | 16,808,000 | 16,592,000 | 16,449,000 | 16,287,000 |
| Total loans | 10,682,000 | 10,712,000 | 10,860,000 | 10,786,000 |
| Allowance for loan losses | 76,000 | 76,000 | 76,000 | 76,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 163,000 | 163,000 | 163,000 | 163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,269,000 | 15,017,000 | 14,820,000 | 14,683,000 |
| Interest-bearing deposits | 14,537,000 | 14,329,000 | 14,007,000 | 13,851,000 |
| Noninterest-bearing deposits | 732,000 | 688,000 | 813,000 | 832,000 |
| Equity capital | 1,448,000 | 1,483,000 | 1,532,000 | 1,509,000 |
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 | 226,000 | 463,000 | 706,000 | 952,000 |
| Interest expense | 80,000 | 163,000 | 248,000 | 339,000 |
| Net interest income | 146,000 | 300,000 | 458,000 | 613,000 |
| Noninterest income | 12,000 | 23,000 | 37,000 | 48,000 |
| Noninterest expense | 107,000 | 233,000 | 349,000 | 514,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 90,000 | 146,000 | 147,000 |
| Income tax | 3,000 | 7,000 | 14,000 | 39,000 |
| Net income | 48,000 | 83,000 | 132,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,448,000 | 1,483,000 | 1,532,000 | 1,509,000 |
| Total capital | 1,524,000 | 1,559,000 | 1,608,000 | 1,585,000 |
| Risk-weighted assets | 9,096,000 | 9,045,000 | 9,180,000 | 9,012,000 |