Call reports 2007
FARMERS & TRADERS SAVINGS BANK — 2007
What FARMERS & 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 | 41,305,000 | 42,100,000 | 43,978,000 | 43,039,000 |
| Total loans | 28,849,000 | 29,499,000 | 29,708,000 | 29,456,000 |
| Allowance for loan losses | 671,000 | 671,000 | 667,000 | 622,000 |
| Securities available for sale | 10,515,000 | 8,963,000 | 10,806,000 | 11,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,626,000 | 33,328,000 | 35,114,000 | 33,977,000 |
| Interest-bearing deposits | 29,364,000 | 29,521,000 | 29,811,000 | 30,046,000 |
| Noninterest-bearing deposits | 3,262,000 | 3,807,000 | 5,303,000 | 3,931,000 |
| Equity capital | 4,219,000 | 4,305,000 | 4,512,000 | 4,654,000 |
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 | 673,000 | 1,339,000 | 2,029,000 | 2,721,000 |
| Interest expense | 310,000 | 637,000 | 967,000 | 1,285,000 |
| Net interest income | 363,000 | 702,000 | 1,062,000 | 1,436,000 |
| Noninterest income | 32,000 | 65,000 | 101,000 | 137,000 |
| Noninterest expense | 262,000 | 478,000 | 753,000 | 1,138,000 |
| Provision for loan losses | 0 | 0 | 0 | -45,000 |
| Pretax income | 133,000 | 289,000 | 410,000 | 480,000 |
| Income tax | 6,000 | 15,000 | 21,000 | 26,000 |
| Net income | 127,000 | 274,000 | 389,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,205,000 | 4,352,000 | 4,467,000 | 4,533,000 |
| Total capital | 4,576,000 | 4,760,000 | 4,902,000 | 4,942,000 |
| Risk-weighted assets | 29,389,000 | 32,345,000 | 34,601,000 | 32,463,000 |