Call reports 2007
FARMERS BANK AND TRUST COMPANY — 2007
What FARMERS BANK AND TRUST COMPANY 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 | 89,684,000 | 89,118,000 | 89,632,000 | 91,118,000 |
| Total loans | 44,274,000 | 44,339,000 | 45,383,000 | 45,762,000 |
| Allowance for loan losses | 794,000 | 805,000 | 846,000 | 750,000 |
| Securities available for sale | 22,876,000 | 23,612,000 | 26,739,000 | 31,665,000 |
| Securities held to maturity | 3,823,000 | 3,306,000 | 2,660,000 | 2,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,311,000 | 71,642,000 | 71,765,000 | 73,150,000 |
| Interest-bearing deposits | 59,185,000 | 58,434,000 | 59,692,000 | 60,019,000 |
| Noninterest-bearing deposits | 13,126,000 | 13,208,000 | 12,073,000 | 13,132,000 |
| Equity capital | 16,761,000 | 16,897,000 | 17,113,000 | 17,216,000 |
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 | 1,327,000 | 2,678,000 | 4,051,000 | 5,442,000 |
| Interest expense | 453,000 | 929,000 | 1,420,000 | 1,910,000 |
| Net interest income | 874,000 | 1,749,000 | 2,631,000 | 3,532,000 |
| Noninterest income | 247,000 | 503,000 | 711,000 | 928,000 |
| Noninterest expense | 701,000 | 1,361,000 | 2,044,000 | 2,711,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 79,000 |
| Pretax income | 375,000 | 801,000 | 1,163,000 | 1,670,000 |
| Income tax | 111,000 | 244,000 | 361,000 | 537,000 |
| Net income | 264,000 | 557,000 | 802,000 | 1,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,905,000 | 17,048,000 | 17,142,000 | 17,124,000 |
| Total capital | 17,495,000 | 17,636,000 | 17,733,000 | 17,719,000 |
| Risk-weighted assets | 47,032,000 | 46,794,000 | 47,010,000 | 47,476,000 |