Call reports 2005
FM BANK — 2005
What FM 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 | 76,106,000 | 59,589,000 | 83,220,000 | 84,673,000 |
| Total loans | 22,644,000 | 22,570,000 | 23,988,000 | 27,953,000 |
| Allowance for loan losses | 170,000 | 175,000 | 175,000 | 172,000 |
| Securities available for sale | 28,139,000 | 32,637,000 | 37,701,000 | 37,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,339,000 | 48,042,000 | 69,416,000 | 76,451,000 |
| Interest-bearing deposits | 49,831,000 | 35,528,000 | 46,877,000 | 56,494,000 |
| Noninterest-bearing deposits | 17,508,000 | 12,514,000 | 22,539,000 | 19,957,000 |
| Equity capital | 4,535,000 | 4,814,000 | 4,730,000 | 4,701,000 |
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 | 713,000 | 1,438,000 | 2,189,000 | 3,121,000 |
| Interest expense | 201,000 | 435,000 | 708,000 | 1,061,000 |
| Net interest income | 512,000 | 1,003,000 | 1,481,000 | 2,060,000 |
| Noninterest income | 42,000 | 84,000 | 132,000 | 169,000 |
| Noninterest expense | 269,000 | 595,000 | 921,000 | 1,286,000 |
| Provision for loan losses | -1,000 | 8,000 | 4,000 | 3,000 |
| Pretax income | 233,000 | 430,000 | 635,000 | 841,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 232,000 | 428,000 | 633,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,533,000 | 4,633,000 | 4,698,000 | 4,904,000 |
| Total capital | 4,703,000 | 4,808,000 | 4,873,000 | 5,076,000 |
| Risk-weighted assets | 35,110,000 | 32,069,000 | 38,062,000 | 41,203,000 |