Call reports 2006
FARMERS BANK AND SAVINGS COMPANY, THE — 2006
What FARMERS BANK AND SAVINGS COMPANY, 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 | 178,260,000 | 182,944,000 | 186,096,000 | 187,221,000 |
| Total loans | 128,101,000 | 130,122,000 | 135,262,000 | 137,567,000 |
| Allowance for loan losses | 1,355,000 | 1,394,000 | 1,439,000 | 1,424,000 |
| Securities available for sale | 33,200,000 | 35,059,000 | 36,218,000 | 33,195,000 |
| Securities held to maturity | 1,333,000 | 1,332,000 | 1,301,000 | 1,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,449,000 | 164,149,000 | 167,093,000 | 167,965,000 |
| Interest-bearing deposits | 139,450,000 | 142,820,000 | 144,905,000 | 144,891,000 |
| Noninterest-bearing deposits | 20,998,000 | 21,330,000 | 22,188,000 | 23,074,000 |
| Equity capital | 13,892,000 | 13,942,000 | 14,714,000 | 15,047,000 |
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 | 2,707,000 | 5,565,000 | 8,631,000 | 11,730,000 |
| Interest expense | 1,054,000 | 2,223,000 | 3,525,000 | 4,845,000 |
| Net interest income | 1,653,000 | 3,342,000 | 5,106,000 | 6,885,000 |
| Noninterest income | 357,000 | 733,000 | 1,107,000 | 1,520,000 |
| Noninterest expense | 1,330,000 | 2,704,000 | 4,093,000 | 5,536,000 |
| Provision for loan losses | 140,000 | 255,000 | 320,000 | 245,000 |
| Pretax income | 540,000 | 1,116,000 | 1,800,000 | 2,624,000 |
| Income tax | 145,000 | 300,000 | 483,000 | 713,000 |
| Net income | 395,000 | 817,000 | 1,318,000 | 1,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,239,000 | 14,386,000 | 14,887,000 | 15,142,000 |
| Total capital | 15,594,000 | 15,780,000 | 16,326,000 | 16,566,000 |
| Risk-weighted assets | 114,530,000 | 117,886,000 | 120,244,000 | 122,888,000 |