Call reports 2014
FARMERS SAVINGS BANK — 2014
What FARMERS SAVINGS BANK 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 | 157,005,000 | 160,379,000 | 165,284,000 | 168,163,000 |
| Total loans | 106,059,000 | 105,755,000 | 105,398,000 | 108,893,000 |
| Allowance for loan losses | 2,191,000 | 2,300,000 | 2,359,000 | 2,296,000 |
| Securities available for sale | 20,155,000 | 20,377,000 | 20,973,000 | 20,333,000 |
| Securities held to maturity | 19,713,000 | 19,753,000 | 19,874,000 | 20,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,810,000 | 138,144,000 | 142,107,000 | 144,960,000 |
| Interest-bearing deposits | 125,409,000 | 127,635,000 | 131,324,000 | 132,976,000 |
| Noninterest-bearing deposits | 10,401,000 | 10,509,000 | 10,783,000 | 11,984,000 |
| Equity capital | 20,034,000 | 20,984,000 | 21,852,000 | 22,047,000 |
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 | 1,870,000 | 3,714,000 | 5,564,000 | 7,390,000 |
| Interest expense | 380,000 | 763,000 | 1,156,000 | 1,553,000 |
| Net interest income | 1,490,000 | 2,951,000 | 4,408,000 | 5,837,000 |
| Noninterest income | 105,000 | 207,000 | 359,000 | 479,000 |
| Noninterest expense | 844,000 | 1,688,000 | 2,571,000 | 3,633,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 500,000 |
| Pretax income | 651,000 | 1,270,000 | 1,896,000 | 2,509,000 |
| Income tax | 31,000 | 63,000 | 94,000 | 155,000 |
| Net income | 620,000 | 1,207,000 | 1,802,000 | 2,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,502,000 | 19,855,000 | 20,246,000 | 20,493,000 |
| Total capital | 21,013,000 | 21,371,000 | 21,766,000 | 22,181,000 |
| Risk-weighted assets | 120,210,000 | 120,517,000 | 120,758,000 | 134,466,000 |