Call reports 2006
FARMERS SAVINGS BANK — 2006
What FARMERS 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 | 41,300,000 | 42,607,000 | 43,696,000 | 44,256,000 |
| Total loans | 30,200,000 | 32,574,000 | 33,854,000 | 33,637,000 |
| Allowance for loan losses | 267,000 | 302,000 | 303,000 | 315,000 |
| Securities available for sale | 4,682,000 | 3,944,000 | 3,379,000 | 2,791,000 |
| Securities held to maturity | 4,542,000 | 3,751,000 | 3,604,000 | 3,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,777,000 | 34,523,000 | 35,123,000 | 37,929,000 |
| Interest-bearing deposits | 29,386,000 | 30,376,000 | 30,713,000 | 33,135,000 |
| Noninterest-bearing deposits | 4,391,000 | 4,147,000 | 4,410,000 | 4,794,000 |
| Equity capital | 3,914,000 | 3,981,000 | 4,076,000 | 4,078,000 |
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 | 556,000 | 1,147,000 | 1,776,000 | 2,423,000 |
| Interest expense | 219,000 | 465,000 | 739,000 | 1,033,000 |
| Net interest income | 337,000 | 682,000 | 1,037,000 | 1,390,000 |
| Noninterest income | 43,000 | 76,000 | 115,000 | 172,000 |
| Noninterest expense | 280,000 | 530,000 | 776,000 | 1,097,000 |
| Provision for loan losses | 2,000 | 36,000 | 36,000 | 47,000 |
| Pretax income | 86,000 | 180,000 | 329,000 | 406,000 |
| Income tax | 19,000 | 41,000 | 85,000 | 112,000 |
| Net income | 67,000 | 139,000 | 244,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,956,000 | 4,027,000 | 4,099,000 | 4,094,000 |
| Total capital | 4,223,000 | 4,329,000 | 4,402,000 | 4,409,000 |
| Risk-weighted assets | 26,741,000 | 29,134,000 | 30,566,000 | 30,496,000 |