Call reports 2005
FARMERS BANK OF LYNCHBURG, THE — 2005
What FARMERS BANK OF LYNCHBURG, THE 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 | 58,078,000 | 58,700,000 | 61,262,000 | 57,518,000 |
| Total loans | 38,644,000 | 39,074,000 | 41,547,000 | 36,203,000 |
| Allowance for loan losses | 1,095,000 | 864,000 | 872,000 | 880,000 |
| Securities available for sale | 14,468,000 | 14,570,000 | 14,537,000 | 14,466,000 |
| Securities held to maturity | 43,000 | 41,000 | 39,000 | 38,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,781,000 | 50,436,000 | 50,349,000 | 49,946,000 |
| Interest-bearing deposits | 43,355,000 | 42,612,000 | 43,071,000 | 41,804,000 |
| Noninterest-bearing deposits | 7,426,000 | 7,824,000 | 7,278,000 | 8,142,000 |
| Equity capital | 7,017,000 | 7,119,000 | 7,132,000 | 7,165,000 |
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 | 807,000 | 1,628,000 | 2,486,000 | 3,378,000 |
| Interest expense | 218,000 | 462,000 | 743,000 | 1,065,000 |
| Net interest income | 589,000 | 1,166,000 | 1,743,000 | 2,313,000 |
| Noninterest income | 58,000 | 115,000 | 171,000 | 284,000 |
| Noninterest expense | 499,000 | 1,006,000 | 1,511,000 | 1,995,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 148,000 | 275,000 | 403,000 | 602,000 |
| Income tax | 48,000 | 88,000 | 128,000 | 196,000 |
| Net income | 100,000 | 187,000 | 275,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,288,000 | 7,326,000 | 7,358,000 | 7,433,000 |
| Total capital | 7,776,000 | 7,819,000 | 7,883,000 | 7,905,000 |
| Risk-weighted assets | 38,406,000 | 39,074,000 | 41,665,000 | 37,386,000 |