Call reports 2014
FARMERS BANK OF WILLARDS, THE — 2014
What FARMERS BANK OF WILLARDS, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 307,573,000 | 307,925,000 | 304,826,000 | 304,062,000 |
| Total loans | 266,200,000 | 267,308,000 | 264,223,000 | 268,050,000 |
| Allowance for loan losses | 6,105,000 | 6,520,000 | 5,892,000 | 5,733,000 |
| Securities available for sale | 2,649,000 | 2,901,000 | 3,283,000 | 3,632,000 |
| Securities held to maturity | 6,625,000 | 6,404,000 | 6,263,000 | 5,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,141,000 | 240,068,000 | 241,869,000 | 237,593,000 |
| Interest-bearing deposits | 196,864,000 | 193,461,000 | 190,253,000 | 189,742,000 |
| Noninterest-bearing deposits | 45,277,000 | 46,607,000 | 51,616,000 | 47,851,000 |
| Equity capital | 33,227,000 | 33,515,000 | 33,755,000 | 33,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,787,000 | 7,562,000 | 11,290,000 | 15,096,000 |
| Interest expense | 558,000 | 1,129,000 | 1,720,000 | 2,309,000 |
| Net interest income | 3,229,000 | 6,433,000 | 9,570,000 | 12,787,000 |
| Noninterest income | 247,000 | 232,000 | 493,000 | 689,000 |
| Noninterest expense | 2,015,000 | 4,113,000 | 6,109,000 | 8,362,000 |
| Provision for loan losses | 800,000 | 1,470,000 | 2,049,000 | 2,906,000 |
| Pretax income | 661,000 | 1,082,000 | 1,905,000 | 2,208,000 |
| Income tax | 243,000 | 379,000 | 667,000 | 758,000 |
| Net income | 418,000 | 703,000 | 1,238,000 | 1,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,866,000 | 32,236,000 | 33,087,000 | 33,142,000 |
| Total capital | 34,921,000 | 35,292,000 | 36,142,000 | 36,195,000 |
| Risk-weighted assets | 241,298,000 | 240,963,000 | 241,556,000 | 241,518,000 |