Call reports 2006
FARMERS BANK OF LYNCHBURG, THE — 2006
What FARMERS BANK OF LYNCHBURG, 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 | 59,510,000 | 61,064,000 | 60,998,000 | 59,979,000 |
| Total loans | 40,063,000 | 39,923,000 | 37,938,000 | 38,761,000 |
| Allowance for loan losses | 886,000 | 891,000 | 876,000 | 914,000 |
| Securities available for sale | 14,482,000 | 14,487,000 | 15,124,000 | 14,212,000 |
| Securities held to maturity | 36,000 | 33,000 | 31,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,783,000 | 53,315,000 | 53,018,000 | 52,003,000 |
| Interest-bearing deposits | 41,831,000 | 45,563,000 | 45,056,000 | 43,903,000 |
| Noninterest-bearing deposits | 8,952,000 | 7,752,000 | 7,962,000 | 8,100,000 |
| Equity capital | 7,193,000 | 7,224,000 | 7,340,000 | 7,462,000 |
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 | 869,000 | 1,788,000 | 2,756,000 | 3,751,000 |
| Interest expense | 309,000 | 687,000 | 1,108,000 | 1,549,000 |
| Net interest income | 560,000 | 1,101,000 | 1,648,000 | 2,202,000 |
| Noninterest income | 49,000 | 97,000 | 146,000 | 188,000 |
| Noninterest expense | 479,000 | 949,000 | 1,423,000 | 1,846,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 130,000 | 249,000 | 371,000 | 544,000 |
| Income tax | 40,000 | 73,000 | 115,000 | 172,000 |
| Net income | 90,000 | 176,000 | 256,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,451,000 | 7,477,000 | 7,508,000 | 7,574,000 |
| Total capital | 7,925,000 | 7,993,000 | 8,004,000 | 8,080,000 |
| Risk-weighted assets | 40,505,000 | 40,878,000 | 38,932,000 | 40,049,000 |