Call reports 2015
FARMERS BANK AND SAVINGS COMPANY, THE — 2015
What FARMERS BANK AND SAVINGS COMPANY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 259,224,000 | 264,744,000 | 263,917,000 | 269,981,000 |
| Total loans | 197,183,000 | 195,830,000 | 200,722,000 | 202,949,000 |
| Allowance for loan losses | 3,239,000 | 3,110,000 | 3,019,000 | 2,873,000 |
| Securities available for sale | 38,367,000 | 38,522,000 | 42,716,000 | 44,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,828,000 | 230,434,000 | 229,020,000 | 234,002,000 |
| Interest-bearing deposits | 185,901,000 | 188,256,000 | 188,532,000 | 190,151,000 |
| Noninterest-bearing deposits | 39,927,000 | 42,178,000 | 40,488,000 | 43,851,000 |
| Equity capital | 28,239,000 | 28,466,000 | 29,109,000 | 29,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,868,000 | 5,817,000 | 8,834,000 | 11,822,000 |
| Interest expense | 419,000 | 839,000 | 1,264,000 | 1,688,000 |
| Net interest income | 2,449,000 | 4,978,000 | 7,570,000 | 10,134,000 |
| Noninterest income | 473,000 | 959,000 | 1,430,000 | 1,833,000 |
| Noninterest expense | 2,142,000 | 4,321,000 | 6,487,000 | 8,580,000 |
| Provision for loan losses | 75,000 | 0 | 0 | 0 |
| Pretax income | 705,000 | 1,616,000 | 2,513,000 | 3,387,000 |
| Income tax | 185,000 | 423,000 | 664,000 | 889,000 |
| Net income | 520,000 | 1,193,000 | 1,849,000 | 2,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,611,000 | 28,059,000 | 28,475,000 | 28,139,000 |
| Total capital | 29,788,000 | 30,107,000 | 30,617,000 | 30,244,000 |
| Risk-weighted assets | 173,125,000 | 162,808,000 | 170,504,000 | 167,399,000 |