Call reports 2005
FARMERS BANK AND SAVINGS COMPANY, THE — 2005
What FARMERS BANK AND SAVINGS COMPANY, 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 | 161,374,000 | 162,852,000 | 167,948,000 | 169,329,000 |
| Total loans | 115,488,000 | 119,335,000 | 121,677,000 | 124,039,000 |
| Allowance for loan losses | 1,347,000 | 1,263,000 | 1,318,000 | 1,295,000 |
| Securities available for sale | 27,763,000 | 30,264,000 | 30,047,000 | 31,154,000 |
| Securities held to maturity | 1,907,000 | 1,831,000 | 1,500,000 | 1,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,151,000 | 145,796,000 | 149,580,000 | 152,007,000 |
| Interest-bearing deposits | 126,413,000 | 126,741,000 | 130,174,000 | 131,206,000 |
| Noninterest-bearing deposits | 17,738,000 | 19,055,000 | 19,406,000 | 20,801,000 |
| Equity capital | 13,109,000 | 13,310,000 | 13,644,000 | 13,522,000 |
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 | 2,381,000 | 4,946,000 | 7,490,000 | 10,171,000 |
| Interest expense | 842,000 | 1,730,000 | 2,680,000 | 3,683,000 |
| Net interest income | 1,539,000 | 3,216,000 | 4,810,000 | 6,488,000 |
| Noninterest income | 306,000 | 601,000 | 984,000 | 1,413,000 |
| Noninterest expense | 1,316,000 | 2,642,000 | 3,939,000 | 5,306,000 |
| Provision for loan losses | 125,000 | 253,000 | 368,000 | 634,000 |
| Pretax income | 404,000 | 922,000 | 1,487,000 | 1,961,000 |
| Income tax | 104,000 | 246,000 | 407,000 | 517,000 |
| Net income | 300,000 | 676,000 | 1,080,000 | 1,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,324,000 | 13,400,000 | 13,804,000 | 13,844,000 |
| Total capital | 14,619,000 | 14,663,000 | 15,122,000 | 15,139,000 |
| Risk-weighted assets | 103,587,000 | 106,834,000 | 108,936,000 | 109,205,000 |