Call reports 2007
FARMERS STATE BANK OF WATKINS — 2007
What FARMERS STATE BANK OF WATKINS 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 | 29,235,000 | 29,946,000 | 31,437,000 | 32,361,000 |
| Total loans | 14,694,000 | 16,164,000 | 17,227,000 | 18,406,000 |
| Allowance for loan losses | 173,000 | 172,000 | 172,000 | 168,000 |
| Securities available for sale | 4,205,000 | 4,054,000 | 4,236,000 | 3,585,000 |
| Securities held to maturity | 5,464,000 | 5,361,000 | 5,358,000 | 5,220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,509,000 | 25,167,000 | 26,455,000 | 27,409,000 |
| Interest-bearing deposits | 21,169,000 | 21,719,000 | 23,129,000 | 23,044,000 |
| Noninterest-bearing deposits | 3,340,000 | 3,448,000 | 3,326,000 | 4,365,000 |
| Equity capital | 4,199,000 | 4,206,000 | 4,390,000 | 4,471,000 |
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 | 445,000 | 922,000 | 1,433,000 | 1,946,000 |
| Interest expense | 161,000 | 333,000 | 532,000 | 731,000 |
| Net interest income | 284,000 | 589,000 | 901,000 | 1,215,000 |
| Noninterest income | 62,000 | 123,000 | 179,000 | 234,000 |
| Noninterest expense | 223,000 | 454,000 | 667,000 | 894,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 258,000 | 413,000 | 555,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 123,000 | 258,000 | 413,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,297,000 | 4,372,000 | 4,500,000 | 4,604,000 |
| Total capital | 4,470,000 | 4,544,000 | 4,672,000 | 4,772,000 |
| Risk-weighted assets | 19,494,000 | 17,775,000 | 20,034,000 | 21,201,000 |