Call reports 2005
OLD FARMERS & MERCHANTS STATE BANK — 2005
What OLD FARMERS & MERCHANTS STATE 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 | 41,416,000 | 43,774,000 | 45,600,000 | 44,048,000 |
| Total loans | 21,992,000 | 22,491,000 | 22,398,000 | 22,554,000 |
| Allowance for loan losses | 211,000 | 205,000 | 210,000 | 202,000 |
| Securities available for sale | 16,299,000 | 15,399,000 | 15,655,000 | 15,492,000 |
| Securities held to maturity | 40,000 | 40,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,577,000 | 39,276,000 | 38,523,000 | 36,486,000 |
| Interest-bearing deposits | 31,189,000 | 33,532,000 | 33,094,000 | 30,682,000 |
| Noninterest-bearing deposits | 5,388,000 | 5,744,000 | 5,429,000 | 5,804,000 |
| Equity capital | 2,911,000 | 3,083,000 | 6,873,000 | 6,899,000 |
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 | 503,000 | 1,016,000 | 357,000 | 907,000 |
| Interest expense | 153,000 | 317,000 | 120,000 | 321,000 |
| Net interest income | 350,000 | 699,000 | 237,000 | 586,000 |
| Noninterest income | 33,000 | 70,000 | 27,000 | 61,000 |
| Noninterest expense | 255,000 | 517,000 | 193,000 | 475,000 |
| Provision for loan losses | 0 | -10,000 | 0 | 0 |
| Pretax income | 129,000 | 263,000 | 71,000 | 153,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 129,000 | 263,000 | 71,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,132,000 | 3,200,000 | 3,156,000 | 3,276,000 |
| Total capital | 3,343,000 | 3,405,000 | 3,366,000 | 3,478,000 |
| Risk-weighted assets | 23,868,000 | 24,587,000 | 24,305,000 | 24,024,000 |