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 | 40,227,000 | 41,477,000 | 41,929,000 | 42,480,000 |
| Total loans | 20,125,000 | 20,943,000 | 23,598,000 | 21,918,000 |
| Allowance for loan losses | 511,000 | 511,000 | 438,000 | 438,000 |
| Securities available for sale | 17,248,000 | 17,347,000 | 14,708,000 | 14,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,516,000 | 34,451,000 | 34,785,000 | 35,641,000 |
| Interest-bearing deposits | 29,672,000 | 29,604,000 | 30,811,000 | 31,491,000 |
| Noninterest-bearing deposits | 3,844,000 | 4,847,000 | 3,974,000 | 4,150,000 |
| Equity capital | 3,676,000 | 3,937,000 | 3,926,000 | 3,765,000 |
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 | 547,000 | 1,125,000 | 1,712,000 | 2,316,000 |
| Interest expense | 211,000 | 435,000 | 684,000 | 931,000 |
| Net interest income | 336,000 | 690,000 | 1,028,000 | 1,385,000 |
| Noninterest income | 92,000 | 181,000 | 279,000 | 361,000 |
| Noninterest expense | 340,000 | 690,000 | 1,089,000 | 1,466,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 178,000 | 207,000 | 269,000 |
| Income tax | 4,000 | 9,000 | 10,000 | 11,000 |
| Net income | 81,000 | 169,000 | 197,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,020,000 | 4,108,000 | 4,136,000 | 4,155,000 |
| Total capital | 4,317,000 | 4,421,000 | 4,481,000 | 4,491,000 |
| Risk-weighted assets | 23,564,000 | 24,819,000 | 27,520,000 | 26,739,000 |