Call reports 2008
FARMERS SAVINGS BANK — 2008
What FARMERS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,520,000 | 56,521,000 | 61,035,000 | 63,272,000 |
| Total loans | 38,690,000 | 42,594,000 | 46,647,000 | 49,384,000 |
| Allowance for loan losses | 315,000 | 330,000 | 412,000 | 407,000 |
| Securities available for sale | 2,400,000 | 3,026,000 | 2,815,000 | 2,246,000 |
| Securities held to maturity | 6,884,000 | 5,667,000 | 5,664,000 | 5,662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,676,000 | 47,015,000 | 48,661,000 | 50,740,000 |
| Interest-bearing deposits | 40,484,000 | 39,720,000 | 41,378,000 | 43,186,000 |
| Noninterest-bearing deposits | 7,192,000 | 7,295,000 | 7,283,000 | 7,554,000 |
| Equity capital | 4,508,000 | 4,651,000 | 4,791,000 | 4,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,625,000 | 2,551,000 | 3,502,000 |
| Interest expense | 350,000 | 677,000 | 1,012,000 | 1,348,000 |
| Net interest income | 435,000 | 948,000 | 1,539,000 | 2,154,000 |
| Noninterest income | 66,000 | 141,000 | 189,000 | 279,000 |
| Noninterest expense | 368,000 | 688,000 | 1,044,000 | 1,520,000 |
| Provision for loan losses | 0 | 19,000 | 100,000 | 148,000 |
| Pretax income | 133,000 | 382,000 | 584,000 | 765,000 |
| Income tax | 32,000 | 106,000 | 162,000 | 199,000 |
| Net income | 101,000 | 276,000 | 422,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,469,000 | 4,643,000 | 4,789,000 | 4,858,000 |
| Total capital | 4,784,000 | 4,973,000 | 5,201,000 | 5,265,000 |
| Risk-weighted assets | 37,788,000 | 38,732,000 | 41,914,000 | 43,430,000 |