Call reports 2016
FARMERS SAVINGS BANK — 2016
What FARMERS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 169,422,000 | 170,198,000 | 172,584,000 | 171,159,000 |
| Total loans | 115,157,000 | 121,192,000 | 121,528,000 | 122,859,000 |
| Allowance for loan losses | 2,843,000 | 2,945,000 | 3,031,000 | 3,124,000 |
| Securities available for sale | 21,564,000 | 17,146,000 | 17,621,000 | 16,742,000 |
| Securities held to maturity | 22,760,000 | 20,603,000 | 19,735,000 | 19,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,197,000 | 145,282,000 | 148,279,000 | 148,054,000 |
| Interest-bearing deposits | 133,450,000 | 133,636,000 | 137,435,000 | 134,796,000 |
| Noninterest-bearing deposits | 11,747,000 | 11,646,000 | 10,844,000 | 13,258,000 |
| Equity capital | 23,041,000 | 23,652,000 | 23,699,000 | 22,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,899,000 | 3,785,000 | 5,696,000 | 7,611,000 |
| Interest expense | 393,000 | 800,000 | 1,207,000 | 1,610,000 |
| Net interest income | 1,506,000 | 2,985,000 | 4,489,000 | 6,001,000 |
| Noninterest income | 100,000 | 211,000 | 339,000 | 442,000 |
| Noninterest expense | 1,017,000 | 2,014,000 | 3,015,000 | 4,055,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 489,000 | 1,186,000 | 1,717,000 | 2,192,000 |
| Income tax | 38,000 | 75,000 | 113,000 | 156,000 |
| Net income | 451,000 | 1,111,000 | 1,604,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,351,000 | 21,472,000 | 21,623,000 | 21,694,000 |
| Total capital | 22,975,000 | 23,153,000 | 23,312,000 | 23,430,000 |
| Risk-weighted assets | 128,763,000 | 133,255,000 | 133,795,000 | 137,561,000 |