Call reports 2016
FARMERS BANK AND SAVINGS COMPANY, THE — 2016
What FARMERS BANK AND SAVINGS COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 269,852,000 | 272,576,000 | 274,272,000 | 274,556,000 |
| Total loans | 205,819,000 | 206,781,000 | 209,100,000 | 211,044,000 |
| Allowance for loan losses | 2,746,000 | 2,694,000 | 2,713,000 | 2,791,000 |
| Securities available for sale | 44,192,000 | 45,440,000 | 44,210,000 | 38,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,232,000 | 236,886,000 | 235,980,000 | 234,796,000 |
| Interest-bearing deposits | 189,281,000 | 192,712,000 | 190,974,000 | 191,030,000 |
| Noninterest-bearing deposits | 43,951,000 | 44,174,000 | 45,006,000 | 43,766,000 |
| Equity capital | 29,734,000 | 30,256,000 | 30,470,000 | 30,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,991,000 | 6,020,000 | 9,117,000 | 12,272,000 |
| Interest expense | 416,000 | 842,000 | 1,280,000 | 1,717,000 |
| Net interest income | 2,575,000 | 5,178,000 | 7,837,000 | 10,555,000 |
| Noninterest income | 488,000 | 988,000 | 1,419,000 | 1,829,000 |
| Noninterest expense | 2,196,000 | 4,316,000 | 6,621,000 | 8,749,000 |
| Provision for loan losses | 45,000 | 140,000 | 266,000 | 368,000 |
| Pretax income | 822,000 | 1,710,000 | 2,369,000 | 3,267,000 |
| Income tax | 209,000 | 435,000 | 580,000 | 811,000 |
| Net income | 613,000 | 1,275,000 | 1,789,000 | 2,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,790,000 | 29,087,000 | 29,355,000 | 29,410,000 |
| Total capital | 30,999,000 | 31,245,000 | 31,576,000 | 31,641,000 |
| Risk-weighted assets | 176,083,000 | 172,092,000 | 177,223,000 | 177,682,000 |