Call reports 2012
FARMERS SAVINGS BANK — 2012
What FARMERS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 119,267,000 | 112,420,000 | 110,304,000 | 114,915,000 |
| Total loans | 75,035,000 | 72,439,000 | 68,219,000 | 66,052,000 |
| Allowance for loan losses | 1,913,000 | 2,296,000 | 1,751,000 | 1,818,000 |
| Securities available for sale | 22,591,000 | 26,585,000 | 26,099,000 | 26,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,104,000 | 99,403,000 | 97,096,000 | 101,657,000 |
| Interest-bearing deposits | 90,704,000 | 83,970,000 | 81,465,000 | 84,636,000 |
| Noninterest-bearing deposits | 15,400,000 | 15,433,000 | 15,631,000 | 17,021,000 |
| Equity capital | 12,948,000 | 12,800,000 | 13,020,000 | 13,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,394,000 | 3,504,000 | 4,569,000 |
| Interest expense | 176,000 | 324,000 | 449,000 | 565,000 |
| Net interest income | 1,072,000 | 2,070,000 | 3,055,000 | 4,004,000 |
| Noninterest income | 262,000 | 526,000 | 763,000 | 921,000 |
| Noninterest expense | 969,000 | 1,842,000 | 2,705,000 | 3,553,000 |
| Provision for loan losses | 921,000 | 1,624,000 | 1,624,000 | 1,715,000 |
| Pretax income | -556,000 | -870,000 | -511,000 | -343,000 |
| Income tax | -229,000 | -363,000 | -246,000 | -200,000 |
| Net income | -327,000 | -507,000 | -265,000 | -143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,743,000 | 12,529,000 | 12,710,000 | 12,822,000 |
| Total capital | 13,765,000 | 13,537,000 | 13,679,000 | 13,757,000 |
| Risk-weighted assets | 80,850,000 | 79,374,000 | 76,738,000 | 73,911,000 |