Call reports 2007
FARMERS BANK, WINDSOR VA — 2007
What FARMERS BANK, WINDSOR VA 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 | 302,072,000 | 311,658,000 | 313,429,000 | 307,661,000 |
| Total loans | 232,488,000 | 242,789,000 | 244,267,000 | 243,778,000 |
| Allowance for loan losses | 2,288,000 | 2,361,000 | 2,411,000 | 2,409,000 |
| Securities available for sale | 45,309,000 | 49,845,000 | 50,193,000 | 47,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,851,000 | 275,845,000 | 275,491,000 | 275,375,000 |
| Interest-bearing deposits | 228,813,000 | 235,585,000 | 239,831,000 | 238,627,000 |
| Noninterest-bearing deposits | 38,038,000 | 40,260,000 | 35,660,000 | 36,748,000 |
| Equity capital | 27,432,000 | 27,562,000 | 28,530,000 | 28,963,000 |
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 | 5,114,000 | 10,550,000 | 16,168,000 | 21,633,000 |
| Interest expense | 2,472,000 | 5,214,000 | 8,109,000 | 10,969,000 |
| Net interest income | 2,642,000 | 5,336,000 | 8,059,000 | 10,664,000 |
| Noninterest income | 146,000 | 309,000 | 470,000 | 669,000 |
| Noninterest expense | 1,614,000 | 3,312,000 | 5,132,000 | 6,952,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 200,000 |
| Pretax income | 1,099,000 | 2,183,000 | 3,197,000 | 4,181,000 |
| Income tax | 348,000 | 693,000 | 1,044,000 | 1,333,000 |
| Net income | 751,000 | 1,490,000 | 2,153,000 | 2,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,477,000 | 27,765,000 | 28,429,000 | 28,750,000 |
| Total capital | 29,765,000 | 30,126,000 | 30,840,000 | 31,159,000 |
| Risk-weighted assets | 238,884,000 | 249,620,000 | 251,252,000 | 251,399,000 |