Call reports 2015
FARMERS SAVINGS BANK — 2015
What FARMERS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 98,781,000 | 102,438,000 | 103,910,000 | 106,857,000 |
| Total loans | 67,370,000 | 71,947,000 | 75,241,000 | 76,490,000 |
| Allowance for loan losses | 1,084,000 | 1,085,000 | 862,000 | 936,000 |
| Securities available for sale | 8,658,000 | 8,439,000 | 8,007,000 | 7,380,000 |
| Securities held to maturity | 17,295,000 | 15,670,000 | 15,183,000 | 14,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,433,000 | 78,472,000 | 75,638,000 | 84,499,000 |
| Interest-bearing deposits | 63,070,000 | 64,044,000 | 61,140,000 | 67,205,000 |
| Noninterest-bearing deposits | 14,363,000 | 14,428,000 | 14,498,000 | 17,294,000 |
| Equity capital | 14,571,000 | 14,754,000 | 15,043,000 | 15,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,946,000 | 2,987,000 | 4,052,000 |
| Interest expense | 103,000 | 214,000 | 356,000 | 501,000 |
| Net interest income | 840,000 | 1,732,000 | 2,631,000 | 3,551,000 |
| Noninterest income | 55,000 | 95,000 | 144,000 | 185,000 |
| Noninterest expense | 514,000 | 1,104,000 | 1,676,000 | 2,241,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 381,000 | 704,000 | 1,077,000 | 1,427,000 |
| Income tax | 96,000 | 190,000 | 284,000 | 400,000 |
| Net income | 285,000 | 514,000 | 793,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,472,000 | 14,725,000 | 14,999,000 | 15,271,000 |
| Total capital | 15,528,000 | 15,810,000 | 15,861,000 | 16,207,000 |
| Risk-weighted assets | 84,519,000 | 88,639,000 | 91,387,000 | 95,167,000 |