Call reports 2015
FARMERS BANK OF WILLARDS, THE — 2015
What FARMERS BANK OF WILLARDS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 303,656,000 | 307,277,000 | 313,911,000 | 315,069,000 |
| Total loans | 267,955,000 | 271,855,000 | 268,502,000 | 274,408,000 |
| Allowance for loan losses | 6,064,000 | 6,136,000 | 5,870,000 | 4,968,000 |
| Securities available for sale | 3,625,000 | 3,765,000 | 4,227,000 | 4,716,000 |
| Securities held to maturity | 4,647,000 | 4,361,000 | 4,247,000 | 3,907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,699,000 | 236,979,000 | 244,655,000 | 245,421,000 |
| Interest-bearing deposits | 190,362,000 | 188,716,000 | 191,070,000 | 192,969,000 |
| Noninterest-bearing deposits | 48,337,000 | 48,263,000 | 53,585,000 | 52,452,000 |
| Equity capital | 34,082,000 | 34,529,000 | 35,120,000 | 35,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,754,000 | 7,596,000 | 11,454,000 | 15,278,000 |
| Interest expense | 584,000 | 1,169,000 | 1,771,000 | 2,375,000 |
| Net interest income | 3,170,000 | 6,427,000 | 9,683,000 | 12,903,000 |
| Noninterest income | 185,000 | 181,000 | -31,000 | 197,000 |
| Noninterest expense | 2,130,000 | 4,351,000 | 6,467,000 | 8,671,000 |
| Provision for loan losses | 537,000 | 818,000 | 818,000 | 941,000 |
| Pretax income | 688,000 | 1,399,000 | 2,327,000 | 3,448,000 |
| Income tax | 244,000 | 498,000 | 834,000 | 1,246,000 |
| Net income | 444,000 | 901,000 | 1,493,000 | 2,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,414,000 | 34,147,000 | 35,099,000 | 35,815,000 |
| Total capital | 36,473,000 | 37,236,000 | 38,169,000 | 38,971,000 |
| Risk-weighted assets | 241,707,000 | 243,875,000 | 242,798,000 | 250,679,000 |