Call reports 2006
FARMERS AND TRADERS SAVINGS BANK — 2006
What FARMERS AND TRADERS 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 | 16,517,000 | 16,125,000 | 16,010,000 | 16,528,000 |
| Total loans | 11,106,000 | 11,486,000 | 11,666,000 | 11,211,000 |
| Allowance for loan losses | 76,000 | 76,000 | 76,000 | 82,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 163,000 | 163,000 | 163,000 | 162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,894,000 | 14,480,000 | 14,316,000 | 14,890,000 |
| Interest-bearing deposits | 13,996,000 | 13,671,000 | 13,493,000 | 13,663,000 |
| Noninterest-bearing deposits | 898,000 | 809,000 | 823,000 | 1,227,000 |
| Equity capital | 1,522,000 | 1,555,000 | 1,602,000 | 1,541,000 |
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 | 246,000 | 501,000 | 762,000 | 1,031,000 |
| Interest expense | 89,000 | 183,000 | 282,000 | 387,000 |
| Net interest income | 157,000 | 318,000 | 480,000 | 644,000 |
| Noninterest income | 11,000 | 23,000 | 34,000 | 49,000 |
| Noninterest expense | 113,000 | 243,000 | 360,000 | 546,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 55,000 | 98,000 | 154,000 | 141,000 |
| Income tax | 10,000 | 20,000 | 29,000 | 41,000 |
| Net income | 45,000 | 78,000 | 125,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,522,000 | 1,555,000 | 1,602,000 | 1,541,000 |
| Total capital | 1,598,000 | 1,631,000 | 1,678,000 | 1,623,000 |
| Risk-weighted assets | 9,280,000 | 9,217,000 | 9,475,000 | 9,388,000 |