Call reports 2009
FARMERS BANK AND SAVINGS COMPANY, THE — 2009
What FARMERS BANK AND SAVINGS COMPANY, 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 | 234,254,000 | 237,242,000 | 238,662,000 | 243,295,000 |
| Total loans | 177,181,000 | 183,097,000 | 189,556,000 | 193,438,000 |
| Allowance for loan losses | 2,111,000 | 2,222,000 | 2,369,000 | 2,438,000 |
| Securities available for sale | 35,684,000 | 36,397,000 | 35,038,000 | 33,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,135,000 | 213,958,000 | 209,860,000 | 217,390,000 |
| Interest-bearing deposits | 186,539,000 | 189,718,000 | 186,894,000 | 192,616,000 |
| Noninterest-bearing deposits | 24,595,000 | 24,239,000 | 22,966,000 | 24,774,000 |
| Equity capital | 18,628,000 | 18,631,000 | 19,835,000 | 19,951,000 |
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 | 3,471,000 | 7,046,000 | 10,700,000 | 14,305,000 |
| Interest expense | 1,472,000 | 2,951,000 | 4,309,000 | 5,533,000 |
| Net interest income | 1,999,000 | 4,095,000 | 6,391,000 | 8,772,000 |
| Noninterest income | 420,000 | 946,000 | 1,517,000 | 2,066,000 |
| Noninterest expense | 1,704,000 | 3,451,000 | 5,142,000 | 6,942,000 |
| Provision for loan losses | 200,000 | 425,000 | 625,000 | 900,000 |
| Pretax income | 515,000 | 1,165,000 | 2,141,000 | 2,996,000 |
| Income tax | 110,000 | 259,000 | 498,000 | 708,000 |
| Net income | 405,000 | 906,000 | 1,643,000 | 2,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,037,000 | 18,151,000 | 18,886,000 | 19,220,000 |
| Total capital | 19,892,000 | 20,042,000 | 20,843,000 | 21,283,000 |
| Risk-weighted assets | 148,156,000 | 156,967,000 | 156,207,000 | 164,642,000 |