Call reports 2006
FARMERS & TRADERS SAVINGS BANK — 2006
What FARMERS & 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 | 40,484,000 | 42,574,000 | 42,222,000 | 40,958,000 |
| Total loans | 28,772,000 | 29,707,000 | 29,570,000 | 27,503,000 |
| Allowance for loan losses | 609,000 | 607,000 | 608,000 | 609,000 |
| Securities available for sale | 10,755,000 | 11,322,000 | 11,339,000 | 11,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,520,000 | 32,987,000 | 31,141,000 | 32,721,000 |
| Interest-bearing deposits | 26,709,000 | 27,969,000 | 27,702,000 | 28,446,000 |
| Noninterest-bearing deposits | 3,811,000 | 5,018,000 | 3,439,000 | 4,275,000 |
| Equity capital | 4,011,000 | 4,122,000 | 4,346,000 | 4,382,000 |
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 | 584,000 | 1,214,000 | 1,870,000 | 2,518,000 |
| Interest expense | 256,000 | 540,000 | 851,000 | 1,165,000 |
| Net interest income | 328,000 | 674,000 | 1,019,000 | 1,353,000 |
| Noninterest income | 42,000 | 75,000 | 112,000 | 157,000 |
| Noninterest expense | 240,000 | 449,000 | 725,000 | 1,060,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 130,000 | 300,000 | 406,000 | 450,000 |
| Income tax | 6,000 | 14,000 | 20,000 | 23,000 |
| Net income | 124,000 | 286,000 | 386,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,078,000 | 4,237,000 | 4,337,000 | 4,378,000 |
| Total capital | 4,468,000 | 4,615,000 | 4,715,000 | 4,732,000 |
| Risk-weighted assets | 31,034,000 | 30,026,000 | 29,990,000 | 29,174,000 |