Call reports 2007
FARMERS NATIONAL BANK OF CYNTHIANA, THE — 2007
What FARMERS NATIONAL BANK OF CYNTHIANA, 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 | 143,341,000 | 141,920,000 | 137,864,000 | 141,274,000 |
| Total loans | 61,975,000 | 59,873,000 | 58,985,000 | 65,652,000 |
| Allowance for loan losses | 703,000 | 796,000 | 887,000 | 767,000 |
| Securities available for sale | 57,044,000 | 65,485,000 | 69,567,000 | 69,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,405,000 | 103,126,000 | 98,857,000 | 101,227,000 |
| Interest-bearing deposits | 89,812,000 | 87,922,000 | 85,202,000 | 88,168,000 |
| Noninterest-bearing deposits | 13,593,000 | 15,204,000 | 13,655,000 | 13,059,000 |
| Equity capital | 20,968,000 | 19,863,000 | 21,254,000 | 22,452,000 |
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 | 2,187,000 | 4,441,000 | 6,627,000 | 8,955,000 |
| Interest expense | 1,034,000 | 2,158,000 | 3,257,000 | 4,359,000 |
| Net interest income | 1,153,000 | 2,283,000 | 3,370,000 | 4,596,000 |
| Noninterest income | 195,000 | 415,000 | 620,000 | 830,000 |
| Noninterest expense | 738,000 | 1,461,000 | 2,189,000 | 3,005,000 |
| Provision for loan losses | 57,000 | 148,000 | 240,000 | 422,000 |
| Pretax income | 553,000 | 1,089,000 | 1,561,000 | 1,999,000 |
| Income tax | 0 | 48,000 | 48,000 | 23,000 |
| Net income | 553,000 | 1,041,000 | 1,513,000 | 1,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,766,000 | 21,691,000 | 21,900,000 | 22,371,000 |
| Total capital | 22,469,000 | 22,487,000 | 22,787,000 | 23,147,000 |
| Risk-weighted assets | 80,768,000 | 79,833,000 | 81,001,000 | 89,078,000 |