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 | 92,646,000 | 95,074,000 | 96,893,000 | 96,559,000 |
| Total loans | 66,853,000 | 70,785,000 | 73,132,000 | 72,225,000 |
| Allowance for loan losses | 751,000 | 751,000 | 740,000 | 907,000 |
| Securities available for sale | 20,379,000 | 19,186,000 | 18,316,000 | 18,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,005,000 | 61,772,000 | 62,196,000 | 66,865,000 |
| Interest-bearing deposits | 51,201,000 | 50,088,000 | 50,890,000 | 54,129,000 |
| Noninterest-bearing deposits | 11,804,000 | 11,684,000 | 11,306,000 | 12,736,000 |
| Equity capital | 16,553,000 | 16,759,000 | 17,488,000 | 17,817,000 |
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 | 1,507,000 | 3,110,000 | 4,791,000 | 6,426,000 |
| Interest expense | 589,000 | 1,221,000 | 1,888,000 | 2,522,000 |
| Net interest income | 918,000 | 1,889,000 | 2,903,000 | 3,904,000 |
| Noninterest income | 158,000 | 321,000 | 532,000 | 747,000 |
| Noninterest expense | 506,000 | 1,008,000 | 1,507,000 | 2,166,000 |
| Provision for loan losses | 0 | 0 | 0 | 225,000 |
| Pretax income | 570,000 | 1,202,000 | 1,928,000 | 2,260,000 |
| Income tax | 28,000 | 59,000 | 93,000 | 105,000 |
| Net income | 542,000 | 1,143,000 | 1,835,000 | 2,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,722,000 | 17,089,000 | 17,596,000 | 17,816,000 |
| Total capital | 17,473,000 | 17,840,000 | 18,336,000 | 18,690,000 |
| Risk-weighted assets | 65,615,000 | 69,410,000 | 70,719,000 | 69,901,000 |