Call reports 2005
FARMERS & TRADERS STATE BANK — 2005
What FARMERS & TRADERS STATE 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 | 31,617,000 | 33,870,000 | 35,637,000 | 35,411,000 |
| Total loans | 16,533,000 | 17,125,000 | 17,825,000 | 18,554,000 |
| Allowance for loan losses | 206,000 | 214,000 | 245,000 | 266,000 |
| Securities available for sale | 11,390,000 | 10,825,000 | 11,818,000 | 12,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,864,000 | 27,002,000 | 28,757,000 | 28,301,000 |
| Interest-bearing deposits | 20,250,000 | 23,083,000 | 25,145,000 | 24,069,000 |
| Noninterest-bearing deposits | 4,614,000 | 3,919,000 | 3,612,000 | 4,232,000 |
| Equity capital | 4,658,000 | 4,741,000 | 4,722,000 | 4,652,000 |
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 | 417,000 | 840,000 | 1,299,000 | 1,780,000 |
| Interest expense | 103,000 | 220,000 | 367,000 | 547,000 |
| Net interest income | 314,000 | 620,000 | 932,000 | 1,233,000 |
| Noninterest income | 24,000 | 48,000 | 71,000 | 92,000 |
| Noninterest expense | 258,000 | 520,000 | 786,000 | 1,047,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 66,000 | 119,000 | 160,000 | 204,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 66,000 | 119,000 | 160,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,954,000 | 4,966,000 | 4,990,000 | 5,032,000 |
| Total capital | 5,160,000 | 5,180,000 | 5,235,000 | 5,298,000 |
| Risk-weighted assets | 19,267,000 | 20,015,000 | 20,887,000 | 21,381,000 |
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