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 | 35,287,000 | 35,356,000 | 35,153,000 | 37,703,000 |
| Total loans | 13,969,000 | 13,521,000 | 14,014,000 | 14,559,000 |
| Allowance for loan losses | 336,000 | 411,000 | 292,000 | 290,000 |
| Securities available for sale | 15,404,000 | 14,989,000 | 14,419,000 | 12,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,519,000 | 30,435,000 | 30,108,000 | 32,766,000 |
| Interest-bearing deposits | 24,758,000 | 24,768,000 | 25,019,000 | 26,946,000 |
| Noninterest-bearing deposits | 5,761,000 | 5,667,000 | 5,089,000 | 5,820,000 |
| Equity capital | 4,712,000 | 4,860,000 | 4,978,000 | 4,769,000 |
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 | 380,000 | 759,000 | 1,162,000 | 1,578,000 |
| Interest expense | 74,000 | 157,000 | 253,000 | 373,000 |
| Net interest income | 306,000 | 602,000 | 909,000 | 1,205,000 |
| Noninterest income | 328,000 | 396,000 | 491,000 | 522,000 |
| Noninterest expense | 342,000 | 652,000 | 1,000,000 | 1,448,000 |
| Provision for loan losses | 0 | 1,000 | -123,000 | -111,000 |
| Pretax income | 292,000 | 345,000 | 523,000 | 390,000 |
| Income tax | 0 | 0 | 0 | 29,000 |
| Net income | 292,000 | 345,000 | 523,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,911,000 | 3,105,000 | 3,238,000 | 3,081,000 |
| Total capital | 3,128,000 | 3,333,000 | 3,450,000 | 3,304,000 |
| Risk-weighted assets | 17,273,000 | 18,097,000 | 16,768,000 | 17,744,000 |