Call reports 2005
FARMERS BUILDING AND SAVINGS BANK — 2005
What FARMERS BUILDING AND 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 | 48,008,000 | 48,320,000 | 47,375,000 | 47,198,000 |
| Total loans | 23,723,000 | 24,678,000 | 25,954,000 | 27,118,000 |
| Allowance for loan losses | 85,000 | 85,000 | 85,000 | 85,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,069,000 | 14,850,000 | 14,581,000 | 14,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,618,000 | 37,779,000 | 36,678,000 | 36,388,000 |
| Interest-bearing deposits | 37,507,000 | 37,661,000 | 36,655,000 | 36,295,000 |
| Noninterest-bearing deposits | 111,000 | 118,000 | 23,000 | 93,000 |
| Equity capital | 9,890,000 | 10,004,000 | 10,112,000 | 10,254,000 |
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 | 598,000 | 1,195,000 | 1,803,000 | 2,412,000 |
| Interest expense | 199,000 | 410,000 | 631,000 | 896,000 |
| Net interest income | 399,000 | 785,000 | 1,172,000 | 1,516,000 |
| Noninterest income | 15,000 | 30,000 | 45,000 | 80,000 |
| Noninterest expense | 246,000 | 460,000 | 713,000 | 939,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 168,000 | 355,000 | 504,000 | 642,000 |
| Income tax | 73,000 | 146,000 | 188,000 | 183,000 |
| Net income | 95,000 | 209,000 | 316,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,890,000 | 10,004,000 | 10,112,000 | 10,254,000 |
| Total capital | 9,975,000 | 10,089,000 | 10,112,000 | 10,339,000 |
| Risk-weighted assets | 19,916,000 | 20,233,000 | 19,904,000 | 20,668,000 |