Call reports 2011
FARMERS BANK AND SAVINGS COMPANY, THE — 2011
What FARMERS BANK AND SAVINGS COMPANY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 256,132,000 | 258,525,000 | 256,884,000 | 254,963,000 |
| Total loans | 192,375,000 | 188,736,000 | 190,519,000 | 188,707,000 |
| Allowance for loan losses | 3,038,000 | 2,946,000 | 3,055,000 | 3,321,000 |
| Securities available for sale | 41,281,000 | 42,526,000 | 47,705,000 | 46,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,257,000 | 228,572,000 | 226,819,000 | 224,677,000 |
| Interest-bearing deposits | 198,516,000 | 200,098,000 | 197,508,000 | 194,713,000 |
| Noninterest-bearing deposits | 28,740,000 | 28,474,000 | 29,311,000 | 29,964,000 |
| Equity capital | 22,521,000 | 22,950,000 | 23,978,000 | 24,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,415,000 | 6,830,000 | 10,147,000 | 13,597,000 |
| Interest expense | 876,000 | 1,752,000 | 2,585,000 | 3,363,000 |
| Net interest income | 2,539,000 | 5,078,000 | 7,562,000 | 10,234,000 |
| Noninterest income | 487,000 | 975,000 | 1,405,000 | 1,912,000 |
| Noninterest expense | 1,920,000 | 3,778,000 | 5,528,000 | 7,327,000 |
| Provision for loan losses | 350,000 | 800,000 | 975,000 | 1,275,000 |
| Pretax income | 756,000 | 1,476,000 | 2,465,000 | 3,545,000 |
| Income tax | 180,000 | 338,000 | 597,000 | 892,000 |
| Net income | 576,000 | 1,138,000 | 1,868,000 | 2,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,814,000 | 22,013,000 | 22,743,000 | 23,175,000 |
| Total capital | 23,875,000 | 24,044,000 | 24,803,000 | 25,224,000 |
| Risk-weighted assets | 163,938,000 | 161,533,000 | 163,810,000 | 162,621,000 |