Call reports 2007
FARMERS BANK AND SAVINGS COMPANY, THE — 2007
What FARMERS BANK AND SAVINGS COMPANY, 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 | 191,079,000 | 192,917,000 | 204,618,000 | 207,071,000 |
| Total loans | 141,858,000 | 146,298,000 | 152,387,000 | 155,988,000 |
| Allowance for loan losses | 1,427,000 | 1,483,000 | 1,564,000 | 1,602,000 |
| Securities available for sale | 32,136,000 | 31,595,000 | 35,092,000 | 37,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,699,000 | 172,721,000 | 184,596,000 | 184,204,000 |
| Interest-bearing deposits | 149,082,000 | 150,247,000 | 162,289,000 | 161,304,000 |
| Noninterest-bearing deposits | 22,617,000 | 22,474,000 | 22,307,000 | 22,901,000 |
| Equity capital | 15,537,000 | 15,452,000 | 16,233,000 | 16,699,000 |
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 | 3,058,000 | 6,287,000 | 9,718,000 | 13,211,000 |
| Interest expense | 1,358,000 | 2,791,000 | 4,416,000 | 6,095,000 |
| Net interest income | 1,700,000 | 3,496,000 | 5,302,000 | 7,116,000 |
| Noninterest income | 403,000 | 842,000 | 1,337,000 | 1,862,000 |
| Noninterest expense | 1,417,000 | 2,870,000 | 4,377,000 | 5,944,000 |
| Provision for loan losses | 65,000 | 170,000 | 290,000 | 380,000 |
| Pretax income | 621,000 | 1,298,000 | 1,972,000 | 2,654,000 |
| Income tax | 160,000 | 320,000 | 488,000 | 649,000 |
| Net income | 461,000 | 978,000 | 1,484,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,603,000 | 15,763,000 | 16,270,000 | 16,491,000 |
| Total capital | 17,030,000 | 17,246,000 | 17,834,000 | 18,093,000 |
| Risk-weighted assets | 125,957,000 | 129,880,000 | 131,411,000 | 137,095,000 |