Call reports 2013
FARMERS BANK AND SAVINGS COMPANY, THE — 2013
What FARMERS BANK AND SAVINGS COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 252,520,000 | 251,133,000 | 251,395,000 | 254,029,000 |
| Total loans | 189,093,000 | 187,962,000 | 194,171,000 | 192,797,000 |
| Allowance for loan losses | 3,496,000 | 3,490,000 | 3,511,000 | 3,439,000 |
| Securities available for sale | 43,406,000 | 40,785,000 | 37,349,000 | 36,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,251,000 | 218,583,000 | 218,209,000 | 221,969,000 |
| Interest-bearing deposits | 185,704,000 | 185,206,000 | 185,946,000 | 186,876,000 |
| Noninterest-bearing deposits | 35,547,000 | 33,377,000 | 32,263,000 | 35,093,000 |
| Equity capital | 26,492,000 | 26,383,000 | 26,437,000 | 26,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,044,000 | 6,076,000 | 9,132,000 | 12,122,000 |
| Interest expense | 490,000 | 984,000 | 1,486,000 | 1,983,000 |
| Net interest income | 2,554,000 | 5,092,000 | 7,646,000 | 10,139,000 |
| Noninterest income | 477,000 | 985,000 | 1,503,000 | 1,964,000 |
| Noninterest expense | 2,111,000 | 4,221,000 | 6,336,000 | 8,413,000 |
| Provision for loan losses | 0 | 144,000 | 267,000 | 291,000 |
| Pretax income | 920,000 | 1,712,000 | 2,547,000 | 3,399,000 |
| Income tax | 241,000 | 437,000 | 650,000 | 870,000 |
| Net income | 679,000 | 1,275,000 | 1,897,000 | 2,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,217,000 | 25,453,000 | 25,775,000 | 26,057,000 |
| Total capital | 27,294,000 | 27,523,000 | 27,885,000 | 28,158,000 |
| Risk-weighted assets | 164,737,000 | 164,193,000 | 167,422,000 | 166,766,000 |