Call reports 2007
TRADERS & FARMERS BANK — 2007
What TRADERS & FARMERS 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 | 364,979,000 | 359,112,000 | 356,947,000 | 361,586,000 |
| Total loans | 177,426,000 | 179,455,000 | 178,496,000 | 183,327,000 |
| Allowance for loan losses | 2,787,000 | 2,770,000 | 2,772,000 | 2,746,000 |
| Securities available for sale | 149,337,000 | 150,700,000 | 145,766,000 | 143,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,857,000 | 282,574,000 | 288,483,000 | 290,989,000 |
| Interest-bearing deposits | 239,277,000 | 240,140,000 | 249,672,000 | 252,123,000 |
| Noninterest-bearing deposits | 41,580,000 | 42,434,000 | 38,811,000 | 38,866,000 |
| Equity capital | 38,039,000 | 35,384,000 | 37,905,000 | 39,870,000 |
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 | 5,422,000 | 10,935,000 | 16,424,000 | 21,948,000 |
| Interest expense | 2,755,000 | 5,584,000 | 8,373,000 | 11,093,000 |
| Net interest income | 2,667,000 | 5,351,000 | 8,051,000 | 10,855,000 |
| Noninterest income | 565,000 | 1,061,000 | 1,585,000 | 2,151,000 |
| Noninterest expense | 2,399,000 | 4,697,000 | 6,924,000 | 9,309,000 |
| Provision for loan losses | 9,000 | 16,000 | 16,000 | 42,000 |
| Pretax income | 836,000 | 1,711,000 | 2,649,000 | 3,576,000 |
| Income tax | 296,000 | 509,000 | 733,000 | 966,000 |
| Net income | 540,000 | 1,202,000 | 1,916,000 | 2,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,394,000 | 38,274,000 | 38,849,000 | 39,405,000 |
| Total capital | 42,181,000 | 41,044,000 | 41,621,000 | 42,151,000 |
| Risk-weighted assets | 253,527,000 | 257,499,000 | 252,208,000 | 256,852,000 |