Call reports 2010
FARMERS BANK AND SAVINGS COMPANY, THE — 2010
What FARMERS BANK AND SAVINGS COMPANY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 249,130,000 | 250,519,000 | 250,725,000 | 251,679,000 |
| Total loans | 193,191,000 | 191,418,000 | 192,516,000 | 193,638,000 |
| Allowance for loan losses | 2,557,000 | 2,598,000 | 2,708,000 | 2,896,000 |
| Securities available for sale | 36,154,000 | 37,849,000 | 40,214,000 | 40,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,370,000 | 223,418,000 | 222,641,000 | 223,279,000 |
| Interest-bearing deposits | 197,962,000 | 197,971,000 | 197,807,000 | 196,106,000 |
| Noninterest-bearing deposits | 24,408,000 | 25,447,000 | 24,835,000 | 27,173,000 |
| Equity capital | 20,672,000 | 20,808,000 | 21,878,000 | 21,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,518,000 | 7,059,000 | 10,639,000 | 14,246,000 |
| Interest expense | 1,078,000 | 2,098,000 | 3,080,000 | 4,020,000 |
| Net interest income | 2,440,000 | 4,961,000 | 7,559,000 | 10,226,000 |
| Noninterest income | 499,000 | 1,031,000 | 1,501,000 | 1,914,000 |
| Noninterest expense | 1,775,000 | 3,595,000 | 5,380,000 | 7,116,000 |
| Provision for loan losses | 300,000 | 550,000 | 750,000 | 1,100,000 |
| Pretax income | 864,000 | 1,872,000 | 2,955,000 | 3,949,000 |
| Income tax | 215,000 | 480,000 | 767,000 | 1,024,000 |
| Net income | 649,000 | 1,392,000 | 2,188,000 | 2,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,868,000 | 20,050,000 | 20,845,000 | 21,237,000 |
| Total capital | 21,930,000 | 22,033,000 | 22,935,000 | 23,360,000 |
| Risk-weighted assets | 164,432,000 | 158,007,000 | 166,557,000 | 169,860,000 |