Call reports 2010
FARMERS SAVINGS BANK — 2010
What FARMERS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 78,029,000 | 84,161,000 | 85,551,000 | 85,088,000 |
| Total loans | 64,365,000 | 67,290,000 | 66,608,000 | 66,169,000 |
| Allowance for loan losses | 799,000 | 834,000 | 1,000,000 | 974,000 |
| Securities available for sale | 1,588,000 | 1,375,000 | 615,000 | 5,028,000 |
| Securities held to maturity | 5,964,000 | 5,048,000 | 6,607,000 | 7,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,761,000 | 70,413,000 | 70,419,000 | 70,642,000 |
| Interest-bearing deposits | 54,091,000 | 62,543,000 | 62,805,000 | 62,191,000 |
| Noninterest-bearing deposits | 7,671,000 | 7,870,000 | 7,613,000 | 8,451,000 |
| Equity capital | 5,663,000 | 5,902,000 | 6,065,000 | 6,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,225,000 | 3,408,000 | 4,583,000 |
| Interest expense | 300,000 | 631,000 | 965,000 | 1,276,000 |
| Net interest income | 794,000 | 1,594,000 | 2,443,000 | 3,307,000 |
| Noninterest income | 72,000 | 142,000 | 200,000 | 266,000 |
| Noninterest expense | 498,000 | 967,000 | 1,405,000 | 1,895,000 |
| Provision for loan losses | 74,000 | 120,000 | 320,000 | 380,000 |
| Pretax income | 294,000 | 648,000 | 917,000 | 1,297,000 |
| Income tax | 95,000 | 204,000 | 311,000 | 394,000 |
| Net income | 199,000 | 444,000 | 606,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,652,000 | 5,897,000 | 6,059,000 | 6,355,000 |
| Total capital | 6,347,000 | 6,621,000 | 6,784,000 | 7,086,000 |
| Risk-weighted assets | 55,492,000 | 57,822,000 | 57,692,000 | 58,170,000 |