Call reports 2005
FARMERS BANK, WINDSOR VA — 2005
What FARMERS BANK, WINDSOR VA 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 | 231,560,000 | 233,493,000 | 246,658,000 | 252,373,000 |
| Total loans | 144,764,000 | 153,199,000 | 170,621,000 | 177,461,000 |
| Allowance for loan losses | 1,712,000 | 1,721,000 | 2,220,000 | 2,224,000 |
| Securities available for sale | 60,334,000 | 65,581,000 | 64,139,000 | 60,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,263,000 | 208,778,000 | 211,076,000 | 223,631,000 |
| Interest-bearing deposits | 174,253,000 | 174,489,000 | 177,702,000 | 185,598,000 |
| Noninterest-bearing deposits | 33,010,000 | 34,289,000 | 33,374,000 | 38,033,000 |
| Equity capital | 22,404,000 | 23,008,000 | 23,656,000 | 23,933,000 |
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 | 3,037,000 | 6,270,000 | 9,822,000 | 13,669,000 |
| Interest expense | 1,048,000 | 2,177,000 | 3,447,000 | 4,933,000 |
| Net interest income | 1,989,000 | 4,093,000 | 6,375,000 | 8,736,000 |
| Noninterest income | 414,000 | 575,000 | 1,544,000 | 1,732,000 |
| Noninterest expense | 1,214,000 | 2,467,000 | 3,773,000 | 5,129,000 |
| Provision for loan losses | 0 | 0 | 500,000 | 500,000 |
| Pretax income | 1,189,000 | 2,202,000 | 3,647,000 | 4,840,000 |
| Income tax | 377,000 | 699,000 | 1,327,000 | 1,611,000 |
| Net income | 812,000 | 1,503,000 | 2,320,000 | 3,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,464,000 | 22,813,000 | 23,630,000 | 24,161,000 |
| Total capital | 24,176,000 | 24,534,000 | 25,810,000 | 26,385,000 |
| Risk-weighted assets | 155,543,000 | 161,930,000 | 174,396,000 | 180,205,000 |