Call reports 2008
FARMERS SAVINGS BANK — 2008
What FARMERS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,899,000 | 59,670,000 | 59,128,000 | 58,217,000 |
| Total loans | 43,924,000 | 46,653,000 | 46,972,000 | 44,405,000 |
| Allowance for loan losses | 820,000 | 856,000 | 891,000 | 826,000 |
| Securities available for sale | 1,596,000 | 1,156,000 | 1,008,000 | 974,000 |
| Securities held to maturity | 2,263,000 | 6,345,000 | 6,343,000 | 8,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,646,000 | 46,390,000 | 48,390,000 | 48,263,000 |
| Interest-bearing deposits | 40,307,000 | 40,023,000 | 42,009,000 | 40,952,000 |
| Noninterest-bearing deposits | 6,339,000 | 6,367,000 | 6,381,000 | 7,311,000 |
| Equity capital | 8,990,000 | 9,084,000 | 9,203,000 | 9,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,618,000 | 2,434,000 | 3,233,000 |
| Interest expense | 336,000 | 630,000 | 898,000 | 1,157,000 |
| Net interest income | 519,000 | 988,000 | 1,536,000 | 2,076,000 |
| Noninterest income | 47,000 | 115,000 | 253,000 | 357,000 |
| Noninterest expense | 367,000 | 723,000 | 1,100,000 | 1,427,000 |
| Provision for loan losses | 0 | 35,000 | 70,000 | 305,000 |
| Pretax income | 199,000 | 345,000 | 619,000 | 565,000 |
| Income tax | 60,000 | 119,000 | 178,000 | 169,000 |
| Net income | 139,000 | 226,000 | 441,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,005,000 | 9,092,000 | 9,307,000 | 9,262,000 |
| Total capital | 9,555,000 | 9,688,000 | 9,902,000 | 9,824,000 |
| Risk-weighted assets | 43,724,000 | 47,408,000 | 47,298,000 | 44,669,000 |