Call reports 2007
FARMERS SAVINGS BANK — 2007
What FARMERS 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 | 45,316,000 | 47,603,000 | 48,596,000 | 51,590,000 |
| Total loans | 34,545,000 | 35,722,000 | 37,302,000 | 37,658,000 |
| Allowance for loan losses | 314,000 | 322,000 | 360,000 | 321,000 |
| Securities available for sale | 2,993,000 | 3,036,000 | 2,958,000 | 2,372,000 |
| Securities held to maturity | 3,718,000 | 4,361,000 | 4,836,000 | 4,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,043,000 | 41,292,000 | 41,588,000 | 44,580,000 |
| Interest-bearing deposits | 33,683,000 | 35,819,000 | 35,841,000 | 37,494,000 |
| Noninterest-bearing deposits | 5,360,000 | 5,473,000 | 5,747,000 | 7,086,000 |
| Equity capital | 4,161,000 | 4,209,000 | 4,302,000 | 4,383,000 |
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 | 696,000 | 1,395,000 | 2,135,000 | 2,909,000 |
| Interest expense | 310,000 | 642,000 | 993,000 | 1,347,000 |
| Net interest income | 386,000 | 753,000 | 1,142,000 | 1,562,000 |
| Noninterest income | 54,000 | 105,000 | 166,000 | 260,000 |
| Noninterest expense | 338,000 | 625,000 | 939,000 | 1,291,000 |
| Provision for loan losses | 0 | 18,000 | 59,000 | 59,000 |
| Pretax income | 102,000 | 215,000 | 310,000 | 472,000 |
| Income tax | 24,000 | 52,000 | 72,000 | 104,000 |
| Net income | 78,000 | 163,000 | 238,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,172,000 | 4,223,000 | 4,298,000 | 4,367,000 |
| Total capital | 4,486,000 | 4,545,000 | 4,658,000 | 4,688,000 |
| Risk-weighted assets | 31,565,000 | 32,850,000 | 34,533,000 | 34,999,000 |