Call reports 2006
FARMERS BANK AND TRUST COMPANY — 2006
What FARMERS BANK AND TRUST COMPANY 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 | 90,801,000 | 87,857,000 | 86,094,000 | 87,219,000 |
| Total loans | 42,418,000 | 43,917,000 | 44,825,000 | 45,440,000 |
| Allowance for loan losses | 783,000 | 825,000 | 863,000 | 750,000 |
| Securities available for sale | 32,195,000 | 30,962,000 | 29,858,000 | 23,802,000 |
| Securities held to maturity | 4,360,000 | 4,077,000 | 4,260,000 | 3,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,040,000 | 71,080,000 | 68,951,000 | 70,084,000 |
| Interest-bearing deposits | 60,624,000 | 58,959,000 | 57,324,000 | 57,841,000 |
| Noninterest-bearing deposits | 13,416,000 | 12,121,000 | 11,627,000 | 12,243,000 |
| Equity capital | 16,180,000 | 16,249,000 | 16,513,000 | 16,600,000 |
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 | 1,203,000 | 2,450,000 | 3,729,000 | 5,060,000 |
| Interest expense | 385,000 | 797,000 | 1,209,000 | 1,642,000 |
| Net interest income | 818,000 | 1,653,000 | 2,520,000 | 3,418,000 |
| Noninterest income | 252,000 | 542,000 | 775,000 | 1,002,000 |
| Noninterest expense | 692,000 | 1,382,000 | 2,055,000 | 2,726,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 50,000 |
| Pretax income | 333,000 | 723,000 | 1,105,000 | 1,644,000 |
| Income tax | 97,000 | 209,000 | 343,000 | 496,000 |
| Net income | 236,000 | 514,000 | 762,000 | 1,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,554,000 | 16,706,000 | 16,755,000 | 16,791,000 |
| Total capital | 17,133,000 | 17,293,000 | 17,344,000 | 17,385,000 |
| Risk-weighted assets | 46,142,000 | 46,689,000 | 46,822,000 | 47,362,000 |