Call reports 2006
FARMERS BUILDING AND SAVINGS BANK — 2006
What FARMERS BUILDING AND 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 | 47,807,000 | 47,222,000 | 46,640,000 | 47,389,000 |
| Total loans | 27,132,000 | 27,491,000 | 27,846,000 | 27,977,000 |
| Allowance for loan losses | 85,000 | 95,000 | 95,000 | 95,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,317,000 | 14,184,000 | 14,075,000 | 13,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,824,000 | 36,189,000 | 35,545,000 | 36,297,000 |
| Interest-bearing deposits | 36,668,000 | 36,064,000 | 35,513,000 | 36,199,000 |
| Noninterest-bearing deposits | 156,000 | 125,000 | 32,000 | 98,000 |
| Equity capital | 10,376,000 | 10,405,000 | 10,418,000 | 10,580,000 |
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 | 648,000 | 1,274,000 | 1,926,000 | 2,573,000 |
| Interest expense | 269,000 | 567,000 | 923,000 | 1,280,000 |
| Net interest income | 379,000 | 707,000 | 1,003,000 | 1,293,000 |
| Noninterest income | 44,000 | 44,000 | 64,000 | 84,000 |
| Noninterest expense | 229,000 | 455,000 | 685,000 | 907,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 194,000 | 296,000 | 382,000 | 470,000 |
| Income tax | 72,000 | 146,000 | 219,000 | 145,000 |
| Net income | 122,000 | 150,000 | 163,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,376,000 | 10,405,000 | 10,418,000 | 10,580,000 |
| Total capital | 10,461,000 | 10,500,000 | 10,513,000 | 10,675,000 |
| Risk-weighted assets | 21,533,000 | 21,521,000 | 21,549,000 | 21,767,000 |