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 | 99,628,000 | 97,669,000 | 97,204,000 | 98,962,000 |
| Total loans | 56,719,000 | 57,911,000 | 57,516,000 | 57,650,000 |
| Allowance for loan losses | 1,231,000 | 1,237,000 | 1,289,000 | 1,175,000 |
| Securities available for sale | 30,631,000 | 29,084,000 | 28,518,000 | 29,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,531,000 | 83,127,000 | 81,836,000 | 84,452,000 |
| Interest-bearing deposits | 69,558,000 | 67,739,000 | 66,876,000 | 66,137,000 |
| Noninterest-bearing deposits | 15,973,000 | 15,388,000 | 14,960,000 | 18,315,000 |
| Equity capital | 13,667,000 | 13,903,000 | 14,051,000 | 13,992,000 |
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 | 820,000 | 1,643,000 | 2,515,000 | 3,325,000 |
| Interest expense | 31,000 | 62,000 | 97,000 | 133,000 |
| Net interest income | 789,000 | 1,581,000 | 2,418,000 | 3,192,000 |
| Noninterest income | 192,000 | 402,000 | 618,000 | 791,000 |
| Noninterest expense | 776,000 | 1,526,000 | 2,276,000 | 3,125,000 |
| Provision for loan losses | 0 | 0 | 0 | -100,000 |
| Pretax income | 205,000 | 487,000 | 790,000 | 988,000 |
| Income tax | 57,000 | 141,000 | 234,000 | 287,000 |
| Net income | 148,000 | 346,000 | 556,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,394,000 | 13,577,000 | 13,825,000 | 13,969,000 |
| Total capital | 14,200,000 | 14,387,000 | 14,625,000 | 14,786,000 |
| Risk-weighted assets | 64,025,000 | 64,360,000 | 63,514,000 | 65,037,000 |