Call reports 2007
FARMERS TRUST AND SAVINGS BANK — 2007
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 239,261,000 | 242,679,000 | 255,609,000 | 268,447,000 |
| Total loans | 185,548,000 | 192,593,000 | 192,686,000 | 194,862,000 |
| Allowance for loan losses | 2,462,000 | 2,444,000 | 2,586,000 | 2,575,000 |
| Securities available for sale | 45,100,000 | 43,979,000 | 48,029,000 | 64,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,621,000 | 208,110,000 | 219,942,000 | 224,705,000 |
| Interest-bearing deposits | 191,613,000 | 193,668,000 | 204,950,000 | 205,701,000 |
| Noninterest-bearing deposits | 15,008,000 | 14,441,000 | 14,992,000 | 19,004,000 |
| Equity capital | 17,168,000 | 17,178,000 | 18,015,000 | 18,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,809,000 | 7,863,000 | 12,064,000 | 16,244,000 |
| Interest expense | 2,179,000 | 4,504,000 | 6,855,000 | 9,205,000 |
| Net interest income | 1,630,000 | 3,359,000 | 5,209,000 | 7,039,000 |
| Noninterest income | 179,000 | 387,000 | 594,000 | 785,000 |
| Noninterest expense | 1,153,000 | 2,300,000 | 3,409,000 | 4,638,000 |
| Provision for loan losses | 45,000 | 90,000 | 235,000 | 270,000 |
| Pretax income | 611,000 | 1,356,000 | 2,159,000 | 2,916,000 |
| Income tax | 31,000 | 68,000 | 108,000 | 108,000 |
| Net income | 580,000 | 1,288,000 | 2,051,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,207,000 | 17,554,000 | 17,959,000 | 18,407,000 |
| Total capital | 19,521,000 | 19,947,000 | 20,460,000 | 20,947,000 |
| Risk-weighted assets | 184,990,000 | 191,387,000 | 199,211,000 | 203,173,000 |
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