Call reports 2016
FARMERS SAVINGS BANK — 2016
What FARMERS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 103,319,000 | 102,674,000 | 107,748,000 | 109,170,000 |
| Total loans | 76,037,000 | 76,477,000 | 82,564,000 | 82,351,000 |
| Allowance for loan losses | 889,000 | 920,000 | 944,000 | 962,000 |
| Securities available for sale | 22,397,000 | 21,521,000 | 20,365,000 | 19,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,705,000 | 77,187,000 | 76,328,000 | 82,344,000 |
| Interest-bearing deposits | 65,716,000 | 63,068,000 | 61,613,000 | 64,441,000 |
| Noninterest-bearing deposits | 14,989,000 | 14,119,000 | 14,714,000 | 17,903,000 |
| Equity capital | 15,557,000 | 15,847,000 | 16,060,000 | 16,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,000,000 | 3,060,000 | 4,101,000 |
| Interest expense | 141,000 | 292,000 | 454,000 | 623,000 |
| Net interest income | 893,000 | 1,708,000 | 2,606,000 | 3,478,000 |
| Noninterest income | 41,000 | 98,000 | 148,000 | 190,000 |
| Noninterest expense | 606,000 | 1,143,000 | 1,754,000 | 2,312,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 303,000 | 616,000 | 928,000 | 1,261,000 |
| Income tax | 95,000 | 182,000 | 269,000 | 404,000 |
| Net income | 208,000 | 434,000 | 659,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,406,000 | 15,599,000 | 15,829,000 | 16,113,000 |
| Total capital | 16,295,000 | 16,519,000 | 16,773,000 | 17,075,000 |
| Risk-weighted assets | 91,457,000 | 91,278,000 | 97,126,000 | 97,943,000 |