Call reports 2023
FARMERS BANK OF WILLARDS, THE — 2023
What FARMERS BANK OF WILLARDS, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 529,488,000 | 550,015,000 | 548,191,000 | 557,404,000 |
| Total loans | 345,655,000 | 355,946,000 | 371,111,000 | 379,178,000 |
| Allowance for loan losses | 3,427,000 | 3,530,000 | 3,565,000 | 3,685,000 |
| Securities available for sale | 86,601,000 | 76,624,000 | 79,623,000 | 74,691,000 |
| Securities held to maturity | 70,505,000 | 66,575,000 | 61,656,000 | 58,847,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,855,000 | 453,030,000 | 449,397,000 | 436,521,000 |
| Interest-bearing deposits | 301,635,000 | 303,473,000 | 301,612,000 | 302,437,000 |
| Noninterest-bearing deposits | 150,220,000 | 149,557,000 | 147,785,000 | 134,084,000 |
| Equity capital | 48,800,000 | 49,891,000 | 50,774,000 | 51,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,832,000 | 12,060,000 | 18,748,000 | 25,786,000 |
| Interest expense | 831,000 | 2,079,000 | 3,660,000 | 5,517,000 |
| Net interest income | 5,001,000 | 9,981,000 | 15,088,000 | 20,269,000 |
| Noninterest income | 464,000 | 1,016,000 | 1,491,000 | 2,042,000 |
| Noninterest expense | 3,492,000 | 6,794,000 | 11,135,000 | 14,575,000 |
| Provision for loan losses | 74,000 | 152,000 | 253,000 | 372,000 |
| Pretax income | 1,899,000 | 4,051,000 | 5,191,000 | 7,364,000 |
| Income tax | 475,000 | 1,022,000 | 1,285,000 | 1,829,000 |
| Net income | 1,424,000 | 3,029,000 | 3,906,000 | 5,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,445,000 | 52,910,000 | 53,787,000 | 53,776,000 |
| Total capital | 54,957,000 | 56,464,000 | 57,416,000 | 57,469,000 |
| Risk-weighted assets | 329,544,000 | 335,982,000 | 338,464,000 | 340,228,000 |
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