Call reports 2005
FARMERS & TRADERS SAVINGS BANK — 2005
What FARMERS & 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 | 39,382,000 | 39,528,000 | 39,433,000 | 40,292,000 |
| Total loans | 25,484,000 | 27,497,000 | 27,654,000 | 27,904,000 |
| Allowance for loan losses | 596,000 | 597,000 | 604,000 | 604,000 |
| Securities available for sale | 12,004,000 | 11,067,000 | 10,609,000 | 10,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,598,000 | 29,275,000 | 29,641,000 | 31,036,000 |
| Interest-bearing deposits | 27,182,000 | 26,411,000 | 26,092,000 | 26,929,000 |
| Noninterest-bearing deposits | 3,416,000 | 2,864,000 | 3,549,000 | 4,107,000 |
| Equity capital | 4,045,000 | 4,266,000 | 4,259,000 | 4,311,000 |
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 | 493,000 | 1,033,000 | 1,589,000 | 2,191,000 |
| Interest expense | 189,000 | 402,000 | 625,000 | 860,000 |
| Net interest income | 304,000 | 631,000 | 964,000 | 1,331,000 |
| Noninterest income | 21,000 | 59,000 | 90,000 | 124,000 |
| Noninterest expense | 218,000 | 427,000 | 694,000 | 1,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 263,000 | 360,000 | 450,000 |
| Income tax | 6,000 | 12,000 | 22,000 | 25,000 |
| Net income | 101,000 | 251,000 | 338,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,077,000 | 4,227,000 | 4,264,000 | 4,353,000 |
| Total capital | 4,438,000 | 4,603,000 | 4,643,000 | 4,738,000 |
| Risk-weighted assets | 28,610,000 | 29,843,000 | 30,106,000 | 30,536,000 |