Call reports 2014
FARMERS BANK AND SAVINGS COMPANY, THE — 2014
What FARMERS BANK AND SAVINGS COMPANY, THE 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 | 257,249,000 | 258,662,000 | 255,252,000 | 256,337,000 |
| Total loans | 194,977,000 | 192,081,000 | 194,209,000 | 197,817,000 |
| Allowance for loan losses | 3,244,000 | 3,221,000 | 3,118,000 | 3,205,000 |
| Securities available for sale | 36,907,000 | 39,502,000 | 37,552,000 | 37,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,974,000 | 228,359,000 | 223,454,000 | 224,148,000 |
| Interest-bearing deposits | 189,128,000 | 190,553,000 | 186,917,000 | 186,708,000 |
| Noninterest-bearing deposits | 38,846,000 | 37,806,000 | 36,537,000 | 37,440,000 |
| Equity capital | 26,836,000 | 27,153,000 | 27,430,000 | 27,696,000 |
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 | 2,902,000 | 5,841,000 | 8,810,000 | 11,806,000 |
| Interest expense | 494,000 | 994,000 | 1,469,000 | 1,913,000 |
| Net interest income | 2,408,000 | 4,847,000 | 7,341,000 | 9,893,000 |
| Noninterest income | 390,000 | 911,000 | 1,442,000 | 2,056,000 |
| Noninterest expense | 2,093,000 | 4,232,000 | 6,409,000 | 8,542,000 |
| Provision for loan losses | 0 | 75,000 | 175,000 | 370,000 |
| Pretax income | 705,000 | 1,451,000 | 2,239,000 | 3,077,000 |
| Income tax | 178,000 | 371,000 | 575,000 | 797,000 |
| Net income | 527,000 | 1,080,000 | 1,664,000 | 2,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,374,000 | 26,693,000 | 27,040,000 | 27,313,000 |
| Total capital | 28,494,000 | 28,749,000 | 29,115,000 | 29,431,000 |
| Risk-weighted assets | 168,446,000 | 163,295,000 | 164,971,000 | 168,391,000 |