Call reports 2007
FARMERS TRUST & SAVINGS BANK — 2007
What FARMERS TRUST & 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 | 134,563,000 | 135,004,000 | 136,841,000 | 137,632,000 |
| Total loans | 113,649,000 | 115,068,000 | 117,080,000 | 113,934,000 |
| Allowance for loan losses | 1,403,000 | 1,445,000 | 1,471,000 | 1,443,000 |
| Securities available for sale | 12,704,000 | 11,224,000 | 10,418,000 | 14,674,000 |
| Securities held to maturity | 670,000 | 580,000 | 570,000 | 767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,250,000 | 100,011,000 | 102,882,000 | 106,923,000 |
| Interest-bearing deposits | 85,073,000 | 88,735,000 | 90,687,000 | 90,152,000 |
| Noninterest-bearing deposits | 12,177,000 | 11,276,000 | 12,195,000 | 16,771,000 |
| Equity capital | 13,093,000 | 13,009,000 | 13,229,000 | 13,477,000 |
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 | 2,221,000 | 4,569,000 | 6,984,000 | 9,330,000 |
| Interest expense | 1,026,000 | 2,147,000 | 3,294,000 | 4,363,000 |
| Net interest income | 1,195,000 | 2,422,000 | 3,690,000 | 4,967,000 |
| Noninterest income | 231,000 | 406,000 | 688,000 | 950,000 |
| Noninterest expense | 833,000 | 1,660,000 | 2,552,000 | 3,469,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 563,000 | 1,108,000 | 1,736,000 | 2,338,000 |
| Income tax | 27,000 | 52,000 | 83,000 | 112,000 |
| Net income | 536,000 | 1,056,000 | 1,653,000 | 2,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,414,000 | 12,490,000 | 12,519,000 | 12,663,000 |
| Total capital | 13,817,000 | 13,935,000 | 13,990,000 | 14,106,000 |
| Risk-weighted assets | 118,210,000 | 119,879,000 | 122,432,000 | 120,177,000 |