Call reports 2005
FARMERS SAVINGS BANK — 2005
What FARMERS 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 | 59,343,000 | 58,025,000 | 56,765,000 | 58,200,000 |
| Total loans | 26,549,000 | 25,822,000 | 27,012,000 | 27,114,000 |
| Allowance for loan losses | 488,000 | 482,000 | 485,000 | 489,000 |
| Securities available for sale | 29,162,000 | 28,895,000 | 26,619,000 | 26,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,429,000 | 44,139,000 | 42,897,000 | 44,872,000 |
| Interest-bearing deposits | 41,250,000 | 39,823,000 | 38,583,000 | 40,019,000 |
| Noninterest-bearing deposits | 5,179,000 | 4,316,000 | 4,314,000 | 4,853,000 |
| Equity capital | 8,120,000 | 8,487,000 | 8,436,000 | 8,412,000 |
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 | 735,000 | 1,464,000 | 2,198,000 | 2,926,000 |
| Interest expense | 275,000 | 552,000 | 841,000 | 1,121,000 |
| Net interest income | 460,000 | 912,000 | 1,357,000 | 1,805,000 |
| Noninterest income | 28,000 | 57,000 | 98,000 | 152,000 |
| Noninterest expense | 321,000 | 634,000 | 949,000 | 1,296,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 176,000 | 347,000 | 518,000 | 673,000 |
| Income tax | 61,000 | 114,000 | 165,000 | 213,000 |
| Net income | 115,000 | 233,000 | 353,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,468,000 | 8,586,000 | 8,706,000 | 8,772,000 |
| Total capital | 8,903,000 | 8,999,000 | 9,141,000 | 9,211,000 |
| Risk-weighted assets | 34,754,000 | 33,468,000 | 34,736,000 | 35,104,000 |