Call reports 2009
FARMERS BANK OF WILLARDS, THE — 2009
What FARMERS BANK OF WILLARDS, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 306,946,000 | 311,892,000 | 320,136,000 | 334,413,000 |
| Total loans | 269,109,000 | 273,928,000 | 283,429,000 | 297,130,000 |
| Allowance for loan losses | 2,657,000 | 2,923,000 | 3,482,000 | 4,224,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,264,000 | 9,296,000 | 9,267,000 | 8,612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,714,000 | 236,330,000 | 244,249,000 | 250,369,000 |
| Interest-bearing deposits | 199,691,000 | 201,568,000 | 211,595,000 | 216,482,000 |
| Noninterest-bearing deposits | 32,023,000 | 34,762,000 | 32,654,000 | 33,887,000 |
| Equity capital | 29,890,000 | 30,264,000 | 30,680,000 | 30,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,604,000 | 9,324,000 | 14,172,000 | 19,135,000 |
| Interest expense | 1,697,000 | 3,328,000 | 4,900,000 | 6,411,000 |
| Net interest income | 2,907,000 | 5,996,000 | 9,272,000 | 12,724,000 |
| Noninterest income | 206,000 | 389,000 | 446,000 | 459,000 |
| Noninterest expense | 1,750,000 | 3,720,000 | 5,481,000 | 7,306,000 |
| Provision for loan losses | 573,000 | 1,356,000 | 2,306,000 | 3,456,000 |
| Pretax income | 790,000 | 1,313,000 | 1,936,000 | 2,416,000 |
| Income tax | 292,000 | 441,000 | 648,000 | 792,000 |
| Net income | 498,000 | 872,000 | 1,288,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,890,000 | 30,264,000 | 30,680,000 | 30,237,000 |
| Total capital | 32,565,000 | 33,205,000 | 34,013,000 | 33,659,000 |
| Risk-weighted assets | 235,420,000 | 242,884,000 | 266,436,000 | 272,959,000 |