Call reports 2006
FARMERS TRUST & SAVINGS BANK — 2006
What FARMERS TRUST & 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 | 132,887,000 | 130,656,000 | 130,878,000 | 132,876,000 |
| Total loans | 105,989,000 | 109,501,000 | 110,493,000 | 108,395,000 |
| Allowance for loan losses | 1,349,000 | 1,330,000 | 1,337,000 | 1,387,000 |
| Securities available for sale | 9,431,000 | 9,172,000 | 10,145,000 | 13,148,000 |
| Securities held to maturity | 1,313,000 | 1,229,000 | 1,158,000 | 667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,081,000 | 91,735,000 | 91,721,000 | 100,271,000 |
| Interest-bearing deposits | 80,969,000 | 80,549,000 | 81,263,000 | 84,390,000 |
| Noninterest-bearing deposits | 12,112,000 | 11,186,000 | 10,458,000 | 15,881,000 |
| Equity capital | 12,591,000 | 12,557,000 | 12,618,000 | 12,986,000 |
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 | 1,923,000 | 4,015,000 | 6,207,000 | 8,462,000 |
| Interest expense | 826,000 | 1,761,000 | 2,768,000 | 3,750,000 |
| Net interest income | 1,097,000 | 2,254,000 | 3,439,000 | 4,712,000 |
| Noninterest income | 169,000 | 359,000 | 587,000 | 826,000 |
| Noninterest expense | 790,000 | 1,563,000 | 2,529,000 | 3,179,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 90,000 |
| Pretax income | 476,000 | 1,050,000 | 1,452,000 | 2,271,000 |
| Income tax | 22,000 | 50,000 | 68,000 | 110,000 |
| Net income | 454,000 | 1,000,000 | 1,384,000 | 2,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,019,000 | 12,084,000 | 11,965,000 | 12,322,000 |
| Total capital | 13,368,000 | 13,414,000 | 13,302,000 | 13,709,000 |
| Risk-weighted assets | 113,428,000 | 115,232,000 | 116,431,000 | 114,488,000 |