Call reports 2011
FARMERS BANK OF WILLARDS, THE — 2011
What FARMERS BANK OF WILLARDS, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 337,464,000 | 337,880,000 | 333,510,000 | 333,922,000 |
| Total loans | 291,620,000 | 290,311,000 | 285,993,000 | 285,540,000 |
| Allowance for loan losses | 5,693,000 | 6,042,000 | 5,748,000 | 6,553,000 |
| Securities available for sale | 175,000 | 176,000 | 1,220,000 | 1,547,000 |
| Securities held to maturity | 8,454,000 | 8,925,000 | 9,360,000 | 8,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,900,000 | 271,353,000 | 275,952,000 | 276,341,000 |
| Interest-bearing deposits | 239,383,000 | 235,183,000 | 238,115,000 | 239,887,000 |
| Noninterest-bearing deposits | 35,517,000 | 36,170,000 | 37,837,000 | 36,454,000 |
| Equity capital | 30,694,000 | 30,710,000 | 30,779,000 | 30,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,524,000 | 9,111,000 | 13,635,000 | 18,048,000 |
| Interest expense | 1,172,000 | 2,248,000 | 3,319,000 | 4,356,000 |
| Net interest income | 3,352,000 | 6,863,000 | 10,316,000 | 13,692,000 |
| Noninterest income | 210,000 | 262,000 | 276,000 | 205,000 |
| Noninterest expense | 2,024,000 | 4,060,000 | 6,045,000 | 7,824,000 |
| Provision for loan losses | 1,522,000 | 3,077,000 | 4,502,000 | 6,030,000 |
| Pretax income | 18,000 | -10,000 | 47,000 | 32,000 |
| Income tax | -31,000 | -75,000 | -86,000 | -131,000 |
| Net income | 49,000 | 65,000 | 133,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,694,000 | 30,710,000 | 30,776,000 | 29,195,000 |
| Total capital | 34,052,000 | 34,052,000 | 34,083,000 | 32,506,000 |
| Risk-weighted assets | 266,282,000 | 264,665,000 | 262,101,000 | 261,647,000 |