Call reports 2014
FARMERS SAVINGS BANK & TRUST — 2014
What FARMERS SAVINGS BANK & TRUST 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 | 178,824,000 | 172,663,000 | 177,948,000 | 164,115,000 |
| Total loans | 79,796,000 | 80,922,000 | 84,135,000 | 86,559,000 |
| Allowance for loan losses | 485,000 | 435,000 | 423,000 | 442,000 |
| Securities available for sale | 69,909,000 | 77,462,000 | 72,045,000 | 66,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,452,000 | 153,145,000 | 153,899,000 | 143,743,000 |
| Interest-bearing deposits | 139,515,000 | 130,264,000 | 133,988,000 | 122,315,000 |
| Noninterest-bearing deposits | 21,937,000 | 22,881,000 | 19,911,000 | 21,428,000 |
| Equity capital | 11,627,000 | 12,227,000 | 12,076,000 | 12,630,000 |
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 | 1,313,000 | 2,627,000 | 3,982,000 | 5,362,000 |
| Interest expense | 193,000 | 370,000 | 540,000 | 697,000 |
| Net interest income | 1,120,000 | 2,257,000 | 3,442,000 | 4,665,000 |
| Noninterest income | 291,000 | 537,000 | 782,000 | 1,096,000 |
| Noninterest expense | 927,000 | 1,845,000 | 2,823,000 | 3,835,000 |
| Provision for loan losses | 0 | -50,000 | -50,000 | -50,000 |
| Pretax income | 500,000 | 1,015,000 | 1,467,000 | 2,040,000 |
| Income tax | 25,000 | 51,000 | 75,000 | 99,000 |
| Net income | 475,000 | 964,000 | 1,392,000 | 1,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,037,000 | 12,201,000 | 12,304,000 | 12,528,000 |
| Total capital | 12,522,000 | 12,636,000 | 12,727,000 | 12,970,000 |
| Risk-weighted assets | 98,154,000 | 96,703,000 | 100,763,000 | 99,994,000 |