Call reports 2005
TRADERS & FARMERS BANK — 2005
What TRADERS & FARMERS 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 | 342,415,000 | 343,873,000 | 347,438,000 | 352,394,000 |
| Total loans | 160,635,000 | 163,242,000 | 167,915,000 | 174,485,000 |
| Allowance for loan losses | 2,730,000 | 2,623,000 | 2,702,000 | 2,760,000 |
| Securities available for sale | 160,087,000 | 159,000,000 | 157,104,000 | 154,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,080,000 | 263,460,000 | 264,691,000 | 266,908,000 |
| Interest-bearing deposits | 228,419,000 | 227,180,000 | 225,187,000 | 227,000,000 |
| Noninterest-bearing deposits | 37,661,000 | 36,280,000 | 39,504,000 | 39,908,000 |
| Equity capital | 40,221,000 | 43,571,000 | 42,982,000 | 42,325,000 |
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 | 4,950,000 | 9,963,000 | 15,057,000 | 20,245,000 |
| Interest expense | 1,609,000 | 3,370,000 | 5,275,000 | 7,316,000 |
| Net interest income | 3,341,000 | 6,593,000 | 9,782,000 | 12,929,000 |
| Noninterest income | 418,000 | 853,000 | 1,300,000 | 1,661,000 |
| Noninterest expense | 2,290,000 | 4,474,000 | 6,733,000 | 9,074,000 |
| Provision for loan losses | 145,000 | 275,000 | 409,000 | 537,000 |
| Pretax income | 1,359,000 | 2,719,000 | 4,021,000 | 5,154,000 |
| Income tax | 448,000 | 909,000 | 1,359,000 | 1,729,000 |
| Net income | 911,000 | 1,810,000 | 2,662,000 | 3,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,963,000 | 42,682,000 | 43,353,000 | 43,936,000 |
| Total capital | 44,518,000 | 45,285,000 | 46,021,000 | 46,696,000 |
| Risk-weighted assets | 204,237,000 | 208,229,000 | 213,420,000 | 253,704,000 |