Call reports 2008
FARMERS SAVINGS BANK — 2008
What FARMERS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 197,715,000 | 213,330,000 | 215,796,000 | 211,228,000 |
| Total loans | 152,640,000 | 157,232,000 | 165,178,000 | 164,435,000 |
| Allowance for loan losses | 1,627,000 | 1,673,000 | 1,834,000 | 2,055,000 |
| Securities available for sale | 26,187,000 | 40,976,000 | 34,460,000 | 33,194,000 |
| Securities held to maturity | 1,750,000 | 1,750,000 | 2,250,000 | 2,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,669,000 | 182,098,000 | 180,216,000 | 180,381,000 |
| Interest-bearing deposits | 160,375,000 | 159,846,000 | 160,861,000 | 159,788,000 |
| Noninterest-bearing deposits | 18,294,000 | 22,252,000 | 19,355,000 | 20,593,000 |
| Equity capital | 13,707,000 | 14,078,000 | 15,914,000 | 16,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,896,000 | 5,751,000 | 8,653,000 | 11,484,000 |
| Interest expense | 1,471,000 | 2,684,000 | 3,951,000 | 5,084,000 |
| Net interest income | 1,425,000 | 3,067,000 | 4,702,000 | 6,400,000 |
| Noninterest income | 187,000 | 531,000 | 845,000 | 1,170,000 |
| Noninterest expense | 1,077,000 | 2,159,000 | 3,236,000 | 4,253,000 |
| Provision for loan losses | 45,000 | 90,000 | 350,000 | 560,000 |
| Pretax income | 490,000 | 1,347,000 | 1,584,000 | 2,380,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 490,000 | 1,347,000 | 1,584,000 | 2,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,455,000 | 14,062,000 | 16,084,000 | 16,880,000 |
| Total capital | 15,082,000 | 15,735,000 | 17,918,000 | 18,758,000 |
| Risk-weighted assets | 139,578,000 | 150,330,000 | 152,653,000 | 150,071,000 |