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 | 19,107,000 | 18,995,000 | 21,308,000 | 21,468,000 |
| Total loans | 12,041,000 | 11,964,000 | 12,471,000 | 13,790,000 |
| Allowance for loan losses | 165,000 | 166,000 | 166,000 | 166,000 |
| Securities available for sale | 1,948,000 | 1,982,000 | 1,967,000 | 1,962,000 |
| Securities held to maturity | 3,499,000 | 3,499,000 | 3,484,000 | 3,833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,809,000 | 17,396,000 | 19,924,000 | 20,071,000 |
| Interest-bearing deposits | 15,030,000 | 15,050,000 | 17,246,000 | 17,402,000 |
| Noninterest-bearing deposits | 2,779,000 | 2,346,000 | 2,678,000 | 2,669,000 |
| Equity capital | 1,238,000 | 1,288,000 | 1,305,000 | 1,307,000 |
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 | 263,000 | 546,000 | 830,000 | 1,141,000 |
| Interest expense | 75,000 | 152,000 | 240,000 | 361,000 |
| Net interest income | 188,000 | 394,000 | 590,000 | 780,000 |
| Noninterest income | 37,000 | 78,000 | 124,000 | 166,000 |
| Noninterest expense | 224,000 | 453,000 | 677,000 | 927,000 |
| Provision for loan losses | 2,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | -1,000 | 16,000 | 34,000 | 16,000 |
| Income tax | -16,000 | -27,000 | -36,000 | -59,000 |
| Net income | 15,000 | 43,000 | 70,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,254,000 | 1,281,000 | 1,308,000 | 1,313,000 |
| Total capital | 1,414,000 | 1,447,000 | 1,474,000 | 1,479,000 |
| Risk-weighted assets | 12,815,000 | 13,395,000 | 14,206,000 | 14,483,000 |