Call reports 2012
FARMERS BANK OF WILLARDS, THE — 2012
What FARMERS BANK OF WILLARDS, THE 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 | 335,426,000 | 330,677,000 | 329,382,000 | 318,161,000 |
| Total loans | 279,692,000 | 280,447,000 | 274,980,000 | 271,615,000 |
| Allowance for loan losses | 6,838,000 | 7,523,000 | 6,987,000 | 7,374,000 |
| Securities available for sale | 1,761,000 | 3,024,000 | 3,739,000 | 3,723,000 |
| Securities held to maturity | 7,529,000 | 6,708,000 | 6,782,000 | 6,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,752,000 | 273,085,000 | 270,946,000 | 259,680,000 |
| Interest-bearing deposits | 239,575,000 | 234,309,000 | 228,447,000 | 218,328,000 |
| Noninterest-bearing deposits | 38,177,000 | 38,776,000 | 42,499,000 | 41,352,000 |
| Equity capital | 30,930,000 | 30,878,000 | 31,696,000 | 31,809,000 |
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 | 4,319,000 | 8,512,000 | 12,712,000 | 16,707,000 |
| Interest expense | 980,000 | 1,888,000 | 2,725,000 | 3,475,000 |
| Net interest income | 3,339,000 | 6,624,000 | 9,987,000 | 13,232,000 |
| Noninterest income | 33,000 | 20,000 | 125,000 | 341,000 |
| Noninterest expense | 1,761,000 | 3,710,000 | 5,446,000 | 7,396,000 |
| Provision for loan losses | 1,452,000 | 2,904,000 | 3,350,000 | 4,718,000 |
| Pretax income | 159,000 | 30,000 | 1,316,000 | 1,459,000 |
| Income tax | 29,000 | -51,000 | 428,000 | 456,000 |
| Net income | 130,000 | 81,000 | 888,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,245,000 | 29,080,000 | 30,149,000 | 30,005,000 |
| Total capital | 32,485,000 | 32,336,000 | 33,326,000 | 33,167,000 |
| Risk-weighted assets | 255,559,000 | 256,217,000 | 250,362,000 | 248,758,000 |