Call reports 2005
FARMERS SAVINGS BANK & TRUST — 2005
What FARMERS SAVINGS BANK & TRUST 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 | 61,809,000 | 61,345,000 | 59,985,000 | 62,311,000 |
| Total loans | 24,491,000 | 25,136,000 | 26,022,000 | 25,784,000 |
| Allowance for loan losses | 157,000 | 156,000 | 160,000 | 159,000 |
| Securities available for sale | 32,959,000 | 31,203,000 | 30,372,000 | 31,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,203,000 | 54,825,000 | 52,521,000 | 56,192,000 |
| Interest-bearing deposits | 50,620,000 | 50,652,000 | 47,913,000 | 50,717,000 |
| Noninterest-bearing deposits | 4,583,000 | 4,173,000 | 4,608,000 | 5,475,000 |
| Equity capital | 3,957,000 | 4,141,000 | 4,081,000 | 3,856,000 |
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 | 679,000 | 1,370,000 | 2,062,000 | 2,787,000 |
| Interest expense | 250,000 | 513,000 | 802,000 | 1,100,000 |
| Net interest income | 429,000 | 857,000 | 1,260,000 | 1,687,000 |
| Noninterest income | 60,000 | 116,000 | 198,000 | 277,000 |
| Noninterest expense | 300,000 | 620,000 | 913,000 | 1,235,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 369,000 | 561,000 | 745,000 |
| Income tax | 10,000 | 18,000 | 27,000 | 30,000 |
| Net income | 190,000 | 351,000 | 534,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,401,000 | 4,413,000 | 4,446,000 | 4,477,000 |
| Total capital | 4,558,000 | 4,569,000 | 4,606,000 | 4,636,000 |
| Risk-weighted assets | 29,069,000 | 29,740,000 | 30,615,000 | 30,994,000 |