Call reports 2007
FARMERS BANK OF WILLARDS, THE — 2007
What FARMERS BANK OF WILLARDS, THE 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 | 261,252,000 | 264,376,000 | 272,773,000 | 276,812,000 |
| Total loans | 236,199,000 | 238,422,000 | 240,637,000 | 246,986,000 |
| Allowance for loan losses | 1,995,000 | 1,992,000 | 1,921,000 | 1,916,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,662,000 | 13,170,000 | 13,080,000 | 12,516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,011,000 | 236,917,000 | 233,249,000 | 224,841,000 |
| Interest-bearing deposits | 199,181,000 | 205,962,000 | 202,571,000 | 193,684,000 |
| Noninterest-bearing deposits | 29,830,000 | 30,954,000 | 30,678,000 | 31,157,000 |
| Equity capital | 22,459,000 | 23,360,000 | 27,904,000 | 28,164,000 |
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 | 5,007,000 | 9,995,000 | 15,030,000 | 19,970,000 |
| Interest expense | 2,129,000 | 4,351,000 | 6,609,000 | 8,880,000 |
| Net interest income | 2,878,000 | 5,644,000 | 8,421,000 | 11,090,000 |
| Noninterest income | 181,000 | 374,000 | 617,000 | 875,000 |
| Noninterest expense | 1,529,000 | 3,070,000 | 4,662,000 | 6,213,000 |
| Provision for loan losses | 123,000 | 123,000 | 123,000 | 283,000 |
| Pretax income | 1,407,000 | 2,825,000 | 4,253,000 | 5,469,000 |
| Income tax | 508,000 | 1,024,000 | 1,548,000 | 1,936,000 |
| Net income | 899,000 | 1,801,000 | 2,705,000 | 3,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,459,000 | 23,360,000 | 27,904,000 | 28,164,000 |
| Total capital | 24,472,000 | 25,370,000 | 29,843,000 | 30,098,000 |
| Risk-weighted assets | 198,972,000 | 204,656,000 | 210,810,000 | 212,164,000 |