Call reports 2009
FARMERS BANK, FRANKFORT, INDIANA, INC., THE — 2009
What FARMERS BANK, FRANKFORT, INDIANA, INC., THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 401,235,000 | 403,151,000 | 419,531,000 | 430,001,000 |
| Total loans | 256,571,000 | 261,536,000 | 275,933,000 | 291,369,000 |
| Allowance for loan losses | 3,436,000 | 3,319,000 | 3,481,000 | 3,591,000 |
| Securities available for sale | 68,979,000 | 63,909,000 | 65,386,000 | 67,840,000 |
| Securities held to maturity | 32,897,000 | 45,655,000 | 45,276,000 | 35,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,797,000 | 316,665,000 | 318,774,000 | 335,098,000 |
| Interest-bearing deposits | 260,362,000 | 257,805,000 | 253,125,000 | 258,723,000 |
| Noninterest-bearing deposits | 59,435,000 | 58,860,000 | 65,649,000 | 76,375,000 |
| Equity capital | 42,463,000 | 40,366,000 | 40,975,000 | 41,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,866,000 | 9,859,000 | 14,922,000 | 20,087,000 |
| Interest expense | 1,651,000 | 3,172,000 | 4,612,000 | 6,037,000 |
| Net interest income | 3,215,000 | 6,687,000 | 10,310,000 | 14,050,000 |
| Noninterest income | 1,271,000 | 2,665,000 | 3,751,000 | 4,875,000 |
| Noninterest expense | 3,099,000 | 6,638,000 | 9,934,000 | 13,313,000 |
| Provision for loan losses | 225,000 | 700,000 | 1,025,000 | 1,500,000 |
| Pretax income | 1,162,000 | 1,524,000 | 2,102,000 | 3,112,000 |
| Income tax | 259,000 | 249,000 | 312,000 | 520,000 |
| Net income | 903,000 | 1,275,000 | 1,790,000 | 2,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,204,000 | 40,763,000 | 40,809,000 | 41,142,000 |
| Total capital | 44,640,000 | 44,082,000 | 44,290,000 | 44,733,000 |
| Risk-weighted assets | 290,721,000 | 303,340,000 | 315,605,000 | 327,182,000 |