Call reports 2006
FARMERS TRUST AND SAVINGS BANK — 2006
What FARMERS TRUST AND SAVINGS BANK 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 | 89,596,000 | 91,879,000 | 94,666,000 | 93,152,000 |
| Total loans | 64,413,000 | 65,911,000 | 67,226,000 | 66,867,000 |
| Allowance for loan losses | 771,000 | 752,000 | 753,000 | 773,000 |
| Securities available for sale | 20,208,000 | 20,739,000 | 20,869,000 | 20,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,194,000 | 61,454,000 | 61,876,000 | 63,984,000 |
| Interest-bearing deposits | 48,734,000 | 49,566,000 | 49,751,000 | 51,413,000 |
| Noninterest-bearing deposits | 11,460,000 | 11,888,000 | 12,125,000 | 12,571,000 |
| Equity capital | 15,173,000 | 15,278,000 | 16,157,000 | 16,230,000 |
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 | 1,449,000 | 2,922,000 | 4,431,000 | 5,935,000 |
| Interest expense | 488,000 | 1,041,000 | 1,633,000 | 2,221,000 |
| Net interest income | 961,000 | 1,881,000 | 2,798,000 | 3,714,000 |
| Noninterest income | 188,000 | 351,000 | 524,000 | 694,000 |
| Noninterest expense | 485,000 | 979,000 | 1,458,000 | 2,155,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 638,000 | 1,227,000 | 1,838,000 | 2,177,000 |
| Income tax | 31,000 | 60,000 | 89,000 | 102,000 |
| Net income | 607,000 | 1,167,000 | 1,749,000 | 2,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,522,000 | 15,882,000 | 16,344,000 | 16,441,000 |
| Total capital | 16,293,000 | 16,634,000 | 17,097,000 | 17,214,000 |
| Risk-weighted assets | 62,230,000 | 64,496,000 | 65,516,000 | 64,761,000 |