Call reports 2007
FARMERS NATIONAL BANK OF LEBANON, THE — 2007
What FARMERS NATIONAL BANK OF LEBANON, 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 | 94,846,000 | 93,576,000 | 93,679,000 | 94,870,000 |
| Total loans | 46,014,000 | 47,756,000 | 47,985,000 | 49,963,000 |
| Allowance for loan losses | 468,000 | 580,000 | 582,000 | 566,000 |
| Securities available for sale | 38,009,000 | 38,193,000 | 33,510,000 | 36,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,454,000 | 78,434,000 | 78,896,000 | 78,315,000 |
| Interest-bearing deposits | 66,810,000 | 64,888,000 | 62,626,000 | 63,950,000 |
| Noninterest-bearing deposits | 13,644,000 | 13,546,000 | 16,270,000 | 14,365,000 |
| Equity capital | 9,245,000 | 9,244,000 | 9,725,000 | 9,886,000 |
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 | 1,468,000 | 2,907,000 | 4,329,000 | 5,799,000 |
| Interest expense | 629,000 | 1,246,000 | 1,857,000 | 2,477,000 |
| Net interest income | 839,000 | 1,661,000 | 2,472,000 | 3,322,000 |
| Noninterest income | 110,000 | 236,000 | 393,000 | 507,000 |
| Noninterest expense | 739,000 | 1,444,000 | 2,170,000 | 2,984,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 180,000 | 393,000 | 605,000 | 755,000 |
| Income tax | 23,000 | 64,000 | 99,000 | 164,000 |
| Net income | 157,000 | 329,000 | 506,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,834,000 | 10,006,000 | 10,184,000 | 10,273,000 |
| Total capital | 10,302,000 | 10,586,000 | 10,766,000 | 10,839,000 |
| Risk-weighted assets | 54,952,000 | 56,673,000 | 56,483,000 | 58,949,000 |