Call reports 2007
FARMERS BANK, FRANKFORT, INDIANA, INC., THE — 2007
What FARMERS BANK, FRANKFORT, INDIANA, INC., 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 | 371,958,000 | 365,060,000 | 366,914,000 | 364,682,000 |
| Total loans | 233,613,000 | 228,919,000 | 234,491,000 | 229,622,000 |
| Allowance for loan losses | 3,971,000 | 3,102,000 | 3,317,000 | 3,405,000 |
| Securities available for sale | 65,264,000 | 62,815,000 | 60,277,000 | 58,081,000 |
| Securities held to maturity | 38,877,000 | 38,751,000 | 38,215,000 | 38,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,424,000 | 278,068,000 | 272,397,000 | 281,070,000 |
| Interest-bearing deposits | 237,052,000 | 230,862,000 | 222,385,000 | 229,423,000 |
| Noninterest-bearing deposits | 47,372,000 | 47,206,000 | 50,012,000 | 51,647,000 |
| Equity capital | 39,985,000 | 39,927,000 | 40,742,000 | 41,285,000 |
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 | 5,458,000 | 10,807,000 | 16,171,000 | 21,438,000 |
| Interest expense | 2,526,000 | 5,104,000 | 7,703,000 | 10,204,000 |
| Net interest income | 2,932,000 | 5,703,000 | 8,468,000 | 11,234,000 |
| Noninterest income | 930,000 | 1,875,000 | 2,827,000 | 3,840,000 |
| Noninterest expense | 2,845,000 | 5,359,000 | 8,256,000 | 11,202,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 100,000 |
| Pretax income | 1,017,000 | 2,219,000 | 2,979,000 | 3,772,000 |
| Income tax | 205,000 | 475,000 | 595,000 | 724,000 |
| Net income | 812,000 | 1,744,000 | 2,384,000 | 3,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,957,000 | 40,331,000 | 40,483,000 | 40,688,000 |
| Total capital | 43,382,000 | 43,433,000 | 43,800,000 | 44,057,000 |
| Risk-weighted assets | 273,442,000 | 270,000,000 | 274,227,000 | 269,488,000 |