Call reports 2019
FARMERS BANK OF WILLARDS, THE — 2019
What FARMERS BANK OF WILLARDS, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 383,002,000 | 395,069,000 | 391,248,000 | 389,485,000 |
| Total loans | 331,887,000 | 333,176,000 | 332,088,000 | 334,677,000 |
| Allowance for loan losses | 3,491,000 | 3,043,000 | 3,279,000 | 3,222,000 |
| Securities available for sale | 13,433,000 | 23,788,000 | 23,515,000 | 23,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,129,000 | 307,735,000 | 304,215,000 | 298,118,000 |
| Interest-bearing deposits | 231,337,000 | 227,190,000 | 223,176,000 | 219,865,000 |
| Noninterest-bearing deposits | 74,792,000 | 80,545,000 | 81,039,000 | 78,253,000 |
| Equity capital | 41,213,000 | 42,433,000 | 43,539,000 | 43,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,761,000 | 9,728,000 | 14,756,000 | 19,720,000 |
| Interest expense | 813,000 | 1,664,000 | 2,570,000 | 3,433,000 |
| Net interest income | 3,948,000 | 8,064,000 | 12,186,000 | 16,287,000 |
| Noninterest income | 266,000 | 497,000 | 899,000 | 1,298,000 |
| Noninterest expense | 2,774,000 | 5,468,000 | 8,194,000 | 10,913,000 |
| Provision for loan losses | 300,000 | 500,000 | 800,000 | 1,065,000 |
| Pretax income | 1,139,000 | 2,589,000 | 4,088,000 | 5,604,000 |
| Income tax | 293,000 | 675,000 | 1,059,000 | 1,449,000 |
| Net income | 846,000 | 1,914,000 | 3,029,000 | 4,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,199,000 | 42,267,000 | 43,381,000 | 42,986,000 |
| Total capital | 44,708,000 | 45,328,000 | 46,678,000 | 46,226,000 |
| Risk-weighted assets | 291,576,000 | 290,474,000 | 289,055,000 | 292,161,000 |