Call reports 2010
FARMERS BANK OF WILLARDS, THE — 2010
What FARMERS BANK OF WILLARDS, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 343,866,000 | 346,113,000 | 331,741,000 | 330,724,000 |
| Total loans | 294,012,000 | 295,755,000 | 296,251,000 | 291,965,000 |
| Allowance for loan losses | 4,368,000 | 4,974,000 | 4,876,000 | 5,388,000 |
| Securities available for sale | 0 | 0 | 182,000 | 195,000 |
| Securities held to maturity | 9,031,000 | 9,349,000 | 9,235,000 | 9,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,002,000 | 270,220,000 | 273,642,000 | 273,103,000 |
| Interest-bearing deposits | 233,459,000 | 235,046,000 | 234,924,000 | 237,716,000 |
| Noninterest-bearing deposits | 34,543,000 | 35,174,000 | 38,718,000 | 35,387,000 |
| Equity capital | 30,715,000 | 30,892,000 | 31,155,000 | 30,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,770,000 | 9,667,000 | 14,519,000 | 19,155,000 |
| Interest expense | 1,483,000 | 2,940,000 | 4,409,000 | 5,670,000 |
| Net interest income | 3,287,000 | 6,727,000 | 10,110,000 | 13,485,000 |
| Noninterest income | 209,000 | 372,000 | 605,000 | 483,000 |
| Noninterest expense | 1,792,000 | 3,672,000 | 5,435,000 | 7,273,000 |
| Provision for loan losses | 975,000 | 2,464,000 | 3,904,000 | 6,071,000 |
| Pretax income | 729,000 | 963,000 | 1,376,000 | 624,000 |
| Income tax | 252,000 | 307,000 | 430,000 | 88,000 |
| Net income | 477,000 | 656,000 | 946,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,715,000 | 30,892,000 | 31,155,000 | 30,753,000 |
| Total capital | 34,119,000 | 34,344,000 | 34,550,000 | 34,119,000 |
| Risk-weighted assets | 271,373,000 | 274,647,000 | 270,090,000 | 267,060,000 |