Call reports 2006
FARMERS BANK — 2006
What FARMERS 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 | 88,955,000 | 89,486,000 | 91,771,000 | 93,555,000 |
| Total loans | 65,762,000 | 65,054,000 | 69,955,000 | 70,780,000 |
| Allowance for loan losses | 785,000 | 806,000 | 851,000 | 834,000 |
| Securities available for sale | 17,208,000 | 16,792,000 | 15,388,000 | 15,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,536,000 | 76,230,000 | 75,480,000 | 80,566,000 |
| Interest-bearing deposits | 58,735,000 | 56,742,000 | 58,632,000 | 62,201,000 |
| Noninterest-bearing deposits | 17,801,000 | 19,488,000 | 16,848,000 | 18,365,000 |
| Equity capital | 9,733,000 | 9,673,000 | 10,090,000 | 10,297,000 |
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 | 1,387,000 | 2,819,000 | 4,332,000 | 5,985,000 |
| Interest expense | 404,000 | 844,000 | 1,325,000 | 1,894,000 |
| Net interest income | 983,000 | 1,975,000 | 3,007,000 | 4,091,000 |
| Noninterest income | 149,000 | 307,000 | 439,000 | 591,000 |
| Noninterest expense | 858,000 | 1,755,000 | 2,639,000 | 3,573,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 158,000 |
| Pretax income | 230,000 | 434,000 | 705,000 | 982,000 |
| Income tax | 58,000 | 109,000 | 185,000 | 264,000 |
| Net income | 172,000 | 325,000 | 520,000 | 718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,955,000 | 10,092,000 | 10,265,000 | 10,448,000 |
| Total capital | 10,740,000 | 10,898,000 | 11,116,000 | 11,282,000 |
| Risk-weighted assets | 67,373,000 | 66,209,000 | 70,217,000 | 71,926,000 |