Call reports 2005
FARMERS DEPOSIT BANK — 2005
What FARMERS DEPOSIT 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 | 86,448,000 | 85,127,000 | 82,365,000 | 80,901,000 |
| Total loans | 45,366,000 | 44,513,000 | 44,890,000 | 43,767,000 |
| Allowance for loan losses | 3,632,000 | 3,362,000 | 3,241,000 | 3,230,000 |
| Securities available for sale | 30,573,000 | 31,258,000 | 28,515,000 | 25,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,135,000 | 66,738,000 | 64,343,000 | 62,971,000 |
| Interest-bearing deposits | 58,121,000 | 57,396,000 | 56,230,000 | 54,255,000 |
| Noninterest-bearing deposits | 10,014,000 | 9,343,000 | 8,113,000 | 8,716,000 |
| Equity capital | 12,992,000 | 13,225,000 | 13,109,000 | 13,196,000 |
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 | 1,106,000 | 2,170,000 | 3,263,000 | 4,371,000 |
| Interest expense | 428,000 | 851,000 | 1,283,000 | 1,731,000 |
| Net interest income | 678,000 | 1,319,000 | 1,980,000 | 2,640,000 |
| Noninterest income | 189,000 | 365,000 | 495,000 | 665,000 |
| Noninterest expense | 920,000 | 1,637,000 | 2,415,000 | 3,124,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | -10,000 |
| Pretax income | -98,000 | -43,000 | -30,000 | 191,000 |
| Income tax | -34,000 | -15,000 | -12,000 | 62,000 |
| Net income | -64,000 | -28,000 | -18,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,302,000 | 8,067,000 | 8,087,000 | 8,823,000 |
| Total capital | 8,909,000 | 8,653,000 | 8,681,000 | 9,398,000 |
| Risk-weighted assets | 45,535,000 | 44,116,000 | 44,951,000 | 43,373,000 |