Call reports 2007
FARMERS AND TRADERS SAVINGS BANK — 2007
What FARMERS AND TRADERS 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 | 16,378,000 | 16,222,000 | 15,734,000 | 15,733,000 |
| Total loans | 10,945,000 | 11,017,000 | 11,421,000 | 11,601,000 |
| Allowance for loan losses | 82,000 | 82,000 | 82,000 | 88,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 163,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,700,000 | 14,520,000 | 13,967,000 | 14,013,000 |
| Interest-bearing deposits | 13,664,000 | 13,579,000 | 13,058,000 | 13,067,000 |
| Noninterest-bearing deposits | 1,036,000 | 941,000 | 909,000 | 946,000 |
| Equity capital | 1,568,000 | 1,589,000 | 1,647,000 | 1,612,000 |
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 | 259,000 | 522,000 | 790,000 | 1,064,000 |
| Interest expense | 105,000 | 215,000 | 326,000 | 444,000 |
| Net interest income | 154,000 | 307,000 | 464,000 | 620,000 |
| Noninterest income | 14,000 | 27,000 | 38,000 | 56,000 |
| Noninterest expense | 116,000 | 258,000 | 375,000 | 534,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 52,000 | 76,000 | 127,000 | 132,000 |
| Income tax | 12,000 | 17,000 | 21,000 | 39,000 |
| Net income | 40,000 | 59,000 | 106,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,568,000 | 1,589,000 | 1,647,000 | 1,612,000 |
| Total capital | 1,650,000 | 1,671,000 | 1,729,000 | 1,700,000 |
| Risk-weighted assets | 9,158,000 | 9,160,000 | 9,270,000 | 9,356,000 |