Call reports 2008
FARMERS BANK OF LOHMAN — 2008
What FARMERS BANK OF LOHMAN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 46,698,000 | 46,634,000 | 46,768,000 | 47,111,000 |
| Total loans | 15,447,000 | 15,038,000 | 14,812,000 | 14,314,000 |
| Allowance for loan losses | 141,000 | 144,000 | 144,000 | 149,000 |
| Securities available for sale | 25,871,000 | 27,108,000 | 27,456,000 | 28,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,582,000 | 38,942,000 | 38,854,000 | 38,470,000 |
| Interest-bearing deposits | 33,710,000 | 33,757,000 | 34,213,000 | 33,914,000 |
| Noninterest-bearing deposits | 4,872,000 | 5,185,000 | 4,641,000 | 4,556,000 |
| Equity capital | 7,623,000 | 7,414,000 | 7,574,000 | 8,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,100,000 | 1,650,000 | 2,186,000 |
| Interest expense | 266,000 | 501,000 | 718,000 | 915,000 |
| Net interest income | 285,000 | 599,000 | 932,000 | 1,271,000 |
| Noninterest income | 25,000 | 108,000 | 141,000 | 166,000 |
| Noninterest expense | 241,000 | 486,000 | 722,000 | 958,000 |
| Provision for loan losses | 10,000 | 15,000 | 25,000 | 25,000 |
| Pretax income | 59,000 | 207,000 | 327,000 | 454,000 |
| Income tax | -5,000 | 33,000 | 58,000 | 87,000 |
| Net income | 64,000 | 174,000 | 269,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,135,000 | 7,245,000 | 7,339,000 | 7,329,000 |
| Total capital | 7,276,000 | 7,389,000 | 7,483,000 | 7,478,000 |
| Risk-weighted assets | 19,030,000 | 18,986,000 | 18,899,000 | 18,427,000 |