Call reports 2006
FARMERS BANK, FRANKFORT, INDIANA, INC., THE — 2006
What FARMERS BANK, FRANKFORT, INDIANA, INC., THE 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 | 396,099,000 | 385,435,000 | 378,491,000 | 380,497,000 |
| Total loans | 263,198,000 | 249,040,000 | 242,221,000 | 234,420,000 |
| Allowance for loan losses | 5,203,000 | 4,510,000 | 4,566,000 | 3,910,000 |
| Securities available for sale | 63,104,000 | 62,880,000 | 63,076,000 | 63,850,000 |
| Securities held to maturity | 36,854,000 | 37,208,000 | 39,021,000 | 39,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,518,000 | 291,409,000 | 279,977,000 | 290,014,000 |
| Interest-bearing deposits | 254,440,000 | 247,552,000 | 235,492,000 | 241,831,000 |
| Noninterest-bearing deposits | 45,078,000 | 43,857,000 | 44,485,000 | 48,183,000 |
| Equity capital | 38,531,000 | 38,258,000 | 39,270,000 | 39,449,000 |
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 | 5,686,000 | 11,331,000 | 16,932,000 | 22,271,000 |
| Interest expense | 2,399,000 | 4,891,000 | 7,516,000 | 10,117,000 |
| Net interest income | 3,287,000 | 6,440,000 | 9,416,000 | 12,154,000 |
| Noninterest income | 943,000 | 1,807,000 | 2,777,000 | 3,708,000 |
| Noninterest expense | 3,159,000 | 6,420,000 | 9,580,000 | 13,122,000 |
| Provision for loan losses | 0 | 0 | 40,000 | -568,000 |
| Pretax income | 1,071,000 | 1,827,000 | 2,573,000 | 3,308,000 |
| Income tax | 229,000 | 350,000 | 461,000 | 569,000 |
| Net income | 842,000 | 1,477,000 | 2,112,000 | 2,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,380,000 | 39,256,000 | 39,685,000 | 39,604,000 |
| Total capital | 43,138,000 | 42,859,000 | 43,214,000 | 43,052,000 |
| Risk-weighted assets | 299,192,000 | 287,365,000 | 281,285,000 | 275,338,000 |