Call reports 2007
FARMERS BANK — 2007
What FARMERS 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 | 94,580,000 | 94,653,000 | 93,050,000 | 95,672,000 |
| Total loans | 72,567,000 | 71,724,000 | 70,617,000 | 69,494,000 |
| Allowance for loan losses | 885,000 | 828,000 | 846,000 | 848,000 |
| Securities available for sale | 15,111,000 | 14,188,000 | 14,134,000 | 15,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,604,000 | 81,435,000 | 79,701,000 | 81,513,000 |
| Interest-bearing deposits | 61,716,000 | 61,514,000 | 60,458,000 | 61,254,000 |
| Noninterest-bearing deposits | 19,888,000 | 19,921,000 | 19,243,000 | 20,259,000 |
| Equity capital | 10,289,000 | 10,616,000 | 10,742,000 | 11,030,000 |
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 | 1,567,000 | 3,244,000 | 4,835,000 | 6,414,000 |
| Interest expense | 541,000 | 1,095,000 | 1,633,000 | 2,159,000 |
| Net interest income | 1,026,000 | 2,149,000 | 3,202,000 | 4,255,000 |
| Noninterest income | 110,000 | 245,000 | 447,000 | 542,000 |
| Noninterest expense | 943,000 | 1,825,000 | 2,876,000 | 3,616,000 |
| Provision for loan losses | 40,000 | 80,000 | 125,000 | 170,000 |
| Pretax income | 153,000 | 489,000 | 648,000 | 1,011,000 |
| Income tax | 38,000 | 137,000 | 96,000 | 281,000 |
| Net income | 115,000 | 352,000 | 552,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,429,000 | 10,650,000 | 10,833,000 | 10,996,000 |
| Total capital | 11,314,000 | 11,478,000 | 11,679,000 | 11,844,000 |
| Risk-weighted assets | 74,629,000 | 74,983,000 | 72,691,000 | 72,168,000 |