Call reports 2005
FARMERS BANK, THE — 2005
What FARMERS BANK, 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 | 19,713,000 | 20,121,000 | 21,546,000 | 21,448,000 |
| Total loans | 11,871,000 | 12,634,000 | 14,788,000 | 13,708,000 |
| Allowance for loan losses | 197,000 | 151,000 | 153,000 | 158,000 |
| Securities available for sale | 4,726,000 | 4,943,000 | 4,811,000 | 5,038,000 |
| Securities held to maturity | 23,000 | 22,000 | 20,000 | 19,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,063,000 | 17,399,000 | 17,135,000 | 18,125,000 |
| Interest-bearing deposits | 14,824,000 | 14,994,000 | 14,928,000 | 15,326,000 |
| Noninterest-bearing deposits | 2,239,000 | 2,405,000 | 2,207,000 | 2,799,000 |
| Equity capital | 2,550,000 | 2,586,000 | 2,652,000 | 2,623,000 |
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 | 262,000 | 530,000 | 869,000 | 1,198,000 |
| Interest expense | 78,000 | 162,000 | 261,000 | 377,000 |
| Net interest income | 184,000 | 368,000 | 608,000 | 821,000 |
| Noninterest income | 26,000 | 79,000 | 125,000 | 163,000 |
| Noninterest expense | 155,000 | 306,000 | 467,000 | 660,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 141,000 | 266,000 | 324,000 |
| Income tax | 12,000 | 40,000 | 81,000 | 116,000 |
| Net income | 43,000 | 101,000 | 185,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,570,000 | 2,590,000 | 2,674,000 | 2,662,000 |
| Total capital | 2,767,000 | 2,741,000 | 2,827,000 | 2,820,000 |
| Risk-weighted assets | 16,286,000 | 14,768,000 | 18,876,000 | 18,035,000 |