Call reports 2008
FARMERS BANK AND TRUST COMPANY — 2008
What FARMERS BANK AND TRUST COMPANY 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 | 91,813,000 | 89,597,000 | 89,623,000 | 94,835,000 |
| Total loans | 44,135,000 | 45,751,000 | 47,499,000 | 48,093,000 |
| Allowance for loan losses | 752,000 | 774,000 | 794,000 | 750,000 |
| Securities available for sale | 33,285,000 | 30,724,000 | 29,243,000 | 30,139,000 |
| Securities held to maturity | 5,743,000 | 6,721,000 | 7,340,000 | 7,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,306,000 | 71,674,000 | 71,554,000 | 76,046,000 |
| Interest-bearing deposits | 60,373,000 | 58,207,000 | 52,402,000 | 60,442,000 |
| Noninterest-bearing deposits | 12,933,000 | 13,467,000 | 19,152,000 | 15,605,000 |
| Equity capital | 17,582,000 | 17,303,000 | 17,446,000 | 17,012,000 |
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 | 1,324,000 | 2,659,000 | 3,939,000 | 5,232,000 |
| Interest expense | 456,000 | 868,000 | 1,229,000 | 1,582,000 |
| Net interest income | 868,000 | 1,791,000 | 2,710,000 | 3,650,000 |
| Noninterest income | 264,000 | 498,000 | 725,000 | 924,000 |
| Noninterest expense | 688,000 | 1,413,000 | 2,128,000 | 2,844,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 123,000 |
| Pretax income | 384,000 | 756,000 | 1,127,000 | 1,607,000 |
| Income tax | 112,000 | 213,000 | 317,000 | 469,000 |
| Net income | 272,000 | 543,000 | 810,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,246,000 | 17,366,000 | 17,483,000 | 16,662,000 |
| Total capital | 17,825,000 | 17,979,000 | 18,118,000 | 17,319,000 |
| Risk-weighted assets | 46,154,000 | 48,859,000 | 50,671,000 | 52,505,000 |