Call reports 2007
FARMERS STATE BANK & TRUST COMPANY — 2007
What FARMERS STATE BANK & TRUST COMPANY 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 | 71,013,000 | 71,018,000 | 69,070,000 | 70,721,000 |
| Total loans | 41,208,000 | 42,729,000 | 42,285,000 | 42,526,000 |
| Allowance for loan losses | 703,000 | 709,000 | 696,000 | 723,000 |
| Securities available for sale | 19,792,000 | 19,440,000 | 18,525,000 | 17,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,793,000 | 64,648,000 | 62,303,000 | 63,799,000 |
| Interest-bearing deposits | 48,585,000 | 48,033,000 | 46,376,000 | 47,223,000 |
| Noninterest-bearing deposits | 16,208,000 | 16,615,000 | 15,927,000 | 16,576,000 |
| Equity capital | 5,829,000 | 5,917,000 | 6,274,000 | 6,552,000 |
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 | 1,144,000 | 2,330,000 | 3,529,000 | 4,741,000 |
| Interest expense | 375,000 | 764,000 | 1,151,000 | 1,530,000 |
| Net interest income | 769,000 | 1,566,000 | 2,378,000 | 3,211,000 |
| Noninterest income | 252,000 | 488,000 | 712,000 | 940,000 |
| Noninterest expense | 557,000 | 1,219,000 | 1,855,000 | 2,579,000 |
| Provision for loan losses | 15,000 | 35,000 | 65,000 | 95,000 |
| Pretax income | 449,000 | 774,000 | 1,144,000 | 1,451,000 |
| Income tax | 0 | -9,000 | -9,000 | -9,000 |
| Net income | 449,000 | 783,000 | 1,153,000 | 1,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,812,000 | 6,007,000 | 6,244,000 | 6,407,000 |
| Total capital | 6,362,000 | 6,575,000 | 6,812,000 | 6,984,000 |
| Risk-weighted assets | 43,817,000 | 45,265,000 | 45,315,000 | 46,048,000 |