Call reports 2007
FARMERS & TRADERS STATE BANK — 2007
What FARMERS & TRADERS STATE 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 | 36,441,000 | 38,496,000 | 38,732,000 | 38,779,000 |
| Total loans | 21,492,000 | 21,809,000 | 22,109,000 | 22,513,000 |
| Allowance for loan losses | 277,000 | 251,000 | 274,000 | 70,000 |
| Securities available for sale | 10,156,000 | 9,725,000 | 9,515,000 | 9,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,160,000 | 31,496,000 | 31,682,000 | 31,747,000 |
| Interest-bearing deposits | 25,242,000 | 27,819,000 | 28,222,000 | 27,472,000 |
| Noninterest-bearing deposits | 3,918,000 | 3,677,000 | 3,460,000 | 4,274,000 |
| Equity capital | 4,605,000 | 4,384,000 | 4,438,000 | 4,884,000 |
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 | 497,000 | 998,000 | 1,521,000 | 2,037,000 |
| Interest expense | 268,000 | 558,000 | 861,000 | 1,138,000 |
| Net interest income | 229,000 | 440,000 | 660,000 | 899,000 |
| Noninterest income | 24,000 | 45,000 | 76,000 | 100,000 |
| Noninterest expense | 361,000 | 663,000 | 1,005,000 | 1,361,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | -164,000 |
| Pretax income | -119,000 | -201,000 | -304,000 | -197,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -119,000 | -201,000 | -304,000 | -197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,819,000 | 4,738,000 | 4,633,000 | 4,941,000 |
| Total capital | 5,096,000 | 4,989,000 | 4,907,000 | 5,011,000 |
| Risk-weighted assets | 25,538,000 | 26,620,000 | 26,401,000 | 26,301,000 |