Call reports 2007
FARMERS STATE BANK OF NORTHERN MISSOURI — 2007
What FARMERS STATE BANK OF NORTHERN MISSOURI 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 | 92,945,000 | 96,247,000 | 98,617,000 | 99,210,000 |
| Total loans | 65,064,000 | 68,803,000 | 70,601,000 | 70,445,000 |
| Allowance for loan losses | 991,000 | 1,009,000 | 1,199,000 | 1,202,000 |
| Securities available for sale | 12,948,000 | 18,543,000 | 18,530,000 | 14,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,463,000 | 75,656,000 | 76,633,000 | 84,328,000 |
| Interest-bearing deposits | 69,875,000 | 68,734,000 | 70,224,000 | 75,634,000 |
| Noninterest-bearing deposits | 8,588,000 | 6,922,000 | 6,409,000 | 8,694,000 |
| Equity capital | 7,803,000 | 8,125,000 | 8,258,000 | 8,480,000 |
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 | 1,456,000 | 2,987,000 | 4,585,000 | 6,136,000 |
| Interest expense | 865,000 | 1,740,000 | 2,629,000 | 3,429,000 |
| Net interest income | 591,000 | 1,247,000 | 1,956,000 | 2,707,000 |
| Noninterest income | 280,000 | 629,000 | 968,000 | 1,304,000 |
| Noninterest expense | 705,000 | 1,447,000 | 2,242,000 | 3,031,000 |
| Provision for loan losses | 207,000 | 229,000 | 417,000 | 430,000 |
| Pretax income | -41,000 | 200,000 | 265,000 | 550,000 |
| Income tax | -25,000 | 62,000 | 64,000 | 143,000 |
| Net income | -16,000 | 138,000 | 201,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,003,000 | 6,388,000 | 6,431,000 | 6,617,000 |
| Total capital | 6,828,000 | 7,252,000 | 7,317,000 | 7,501,000 |
| Risk-weighted assets | 65,813,000 | 69,013,000 | 70,605,000 | 70,427,000 |