Call reports 2005
FARMERS SAVINGS BANK — 2005
What FARMERS 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 | 40,839,000 | 41,095,000 | 41,990,000 | 41,343,000 |
| Total loans | 27,486,000 | 28,325,000 | 28,940,000 | 29,147,000 |
| Allowance for loan losses | 314,000 | 258,000 | 265,000 | 265,000 |
| Securities available for sale | 6,838,000 | 6,334,000 | 6,305,000 | 5,998,000 |
| Securities held to maturity | 4,330,000 | 4,467,000 | 4,392,000 | 4,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,890,000 | 33,985,000 | 33,221,000 | 34,028,000 |
| Interest-bearing deposits | 30,349,000 | 29,526,000 | 28,250,000 | 29,021,000 |
| Noninterest-bearing deposits | 4,541,000 | 4,459,000 | 4,971,000 | 5,007,000 |
| Equity capital | 3,615,000 | 3,729,000 | 3,803,000 | 3,840,000 |
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 | 505,000 | 1,027,000 | 1,574,000 | 2,137,000 |
| Interest expense | 182,000 | 375,000 | 576,000 | 795,000 |
| Net interest income | 323,000 | 652,000 | 998,000 | 1,342,000 |
| Noninterest income | 37,000 | 72,000 | 109,000 | 183,000 |
| Noninterest expense | 298,000 | 535,000 | 786,000 | 1,073,000 |
| Provision for loan losses | 25,000 | 25,000 | 33,000 | 33,000 |
| Pretax income | 45,000 | 167,000 | 289,000 | 420,000 |
| Income tax | 6,000 | 38,000 | 73,000 | 111,000 |
| Net income | 39,000 | 129,000 | 216,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,674,000 | 3,763,000 | 3,850,000 | 3,888,000 |
| Total capital | 3,981,000 | 4,021,000 | 4,115,000 | 4,153,000 |
| Risk-weighted assets | 24,546,000 | 25,404,000 | 26,212,000 | 25,887,000 |