Call reports 2006
TRADERS & FARMERS BANK — 2006
What TRADERS & FARMERS 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 | 355,603,000 | 360,644,000 | 356,206,000 | 357,014,000 |
| Total loans | 175,330,000 | 174,859,000 | 176,161,000 | 177,456,000 |
| Allowance for loan losses | 2,780,000 | 2,740,000 | 2,812,000 | 2,787,000 |
| Securities available for sale | 150,977,000 | 158,017,000 | 151,486,000 | 150,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,896,000 | 270,703,000 | 265,364,000 | 269,501,000 |
| Interest-bearing deposits | 229,799,000 | 228,481,000 | 224,650,000 | 232,144,000 |
| Noninterest-bearing deposits | 44,097,000 | 42,222,000 | 40,714,000 | 37,357,000 |
| Equity capital | 42,039,000 | 40,146,000 | 43,001,000 | 38,846,000 |
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 | 5,243,000 | 10,702,000 | 16,224,000 | 21,681,000 |
| Interest expense | 2,145,000 | 4,408,000 | 6,933,000 | 9,540,000 |
| Net interest income | 3,098,000 | 6,294,000 | 9,291,000 | 12,141,000 |
| Noninterest income | 469,000 | 872,000 | 1,366,000 | 1,870,000 |
| Noninterest expense | 2,359,000 | 4,696,000 | 6,959,000 | 9,303,000 |
| Provision for loan losses | 75,000 | 192,000 | 287,000 | 289,000 |
| Pretax income | 1,158,000 | 2,303,000 | 3,467,000 | 4,488,000 |
| Income tax | 400,000 | 772,000 | 1,158,000 | 1,510,000 |
| Net income | 758,000 | 1,531,000 | 2,309,000 | 2,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,449,000 | 45,042,000 | 44,594,000 | 40,607,000 |
| Total capital | 47,229,000 | 47,782,000 | 47,406,000 | 43,394,000 |
| Risk-weighted assets | 251,248,000 | 261,312,000 | 254,895,000 | 253,309,000 |