Call reports 2014
FARMERS SAVINGS BANK — 2014
What FARMERS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 94,131,000 | 93,649,000 | 96,814,000 | 97,806,000 |
| Total loans | 61,380,000 | 62,547,000 | 64,427,000 | 66,717,000 |
| Allowance for loan losses | 1,076,000 | 1,078,000 | 1,082,000 | 1,084,000 |
| Securities available for sale | 9,793,000 | 9,468,000 | 9,276,000 | 8,638,000 |
| Securities held to maturity | 17,225,000 | 16,034,000 | 16,495,000 | 16,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,900,000 | 75,908,000 | 78,437,000 | 79,340,000 |
| Interest-bearing deposits | 61,641,000 | 62,957,000 | 64,838,000 | 63,818,000 |
| Noninterest-bearing deposits | 13,259,000 | 12,950,000 | 13,598,000 | 15,522,000 |
| Equity capital | 13,439,000 | 13,772,000 | 14,084,000 | 14,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,852,000 | 2,796,000 | 3,745,000 |
| Interest expense | 104,000 | 210,000 | 316,000 | 429,000 |
| Net interest income | 820,000 | 1,642,000 | 2,480,000 | 3,316,000 |
| Noninterest income | 51,000 | 98,000 | 166,000 | 225,000 |
| Noninterest expense | 518,000 | 1,014,000 | 1,508,000 | 2,074,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 352,000 | 729,000 | 1,163,000 | 1,498,000 |
| Income tax | 85,000 | 179,000 | 273,000 | 407,000 |
| Net income | 267,000 | 550,000 | 890,000 | 1,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,398,000 | 13,680,000 | 14,020,000 | 14,221,000 |
| Total capital | 14,307,000 | 14,594,000 | 14,958,000 | 15,176,000 |
| Risk-weighted assets | 72,536,000 | 72,980,000 | 74,873,000 | 76,250,000 |