Call reports 2006
FARMERS STATE BANK OF ELKTON — 2006
What FARMERS STATE BANK OF ELKTON reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,968,000 | 33,809,000 | 32,954,000 | 34,716,000 |
| Total loans | 20,391,000 | 21,997,000 | 20,640,000 | 21,427,000 |
| Allowance for loan losses | 379,000 | 386,000 | 394,000 | 402,000 |
| Securities available for sale | 8,372,000 | 7,265,000 | 8,075,000 | 8,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,925,000 | 29,728,000 | 28,619,000 | 30,613,000 |
| Interest-bearing deposits | 25,912,000 | 27,136,000 | 26,278,000 | 26,760,000 |
| Noninterest-bearing deposits | 3,013,000 | 2,592,000 | 2,341,000 | 3,853,000 |
| Equity capital | 3,912,000 | 3,940,000 | 4,181,000 | 3,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 526,000 | 1,035,000 | 1,557,000 | 2,086,000 |
| Interest expense | 172,000 | 358,000 | 565,000 | 773,000 |
| Net interest income | 354,000 | 677,000 | 992,000 | 1,313,000 |
| Noninterest income | 16,000 | 56,000 | 93,000 | 130,000 |
| Noninterest expense | 186,000 | 387,000 | 580,000 | 770,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 176,000 | 297,000 | 448,000 | 609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 176,000 | 297,000 | 448,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,026,000 | 4,119,000 | 4,242,000 | 4,019,000 |
| Total capital | 4,339,000 | 4,451,000 | 4,553,000 | 4,338,000 |
| Risk-weighted assets | 24,900,000 | 26,434,000 | 24,939,000 | 25,430,000 |