Call reports 2014
FARMERS SAVINGS BANK — 2014
What FARMERS SAVINGS BANK 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 | 109,994,000 | 114,532,000 | 120,420,000 | 121,846,000 |
| Total loans | 89,228,000 | 95,446,000 | 101,938,000 | 102,231,000 |
| Allowance for loan losses | 1,130,000 | 1,130,000 | 1,102,000 | 1,216,000 |
| Securities available for sale | 12,462,000 | 11,944,000 | 11,760,000 | 11,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,019,000 | 97,771,000 | 97,812,000 | 101,035,000 |
| Interest-bearing deposits | 82,499,000 | 79,217,000 | 81,478,000 | 87,137,000 |
| Noninterest-bearing deposits | 12,520,000 | 18,554,000 | 16,334,000 | 13,898,000 |
| Equity capital | 11,155,000 | 11,841,000 | 12,318,000 | 12,323,000 |
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 | 1,262,000 | 2,614,000 | 4,063,000 | 5,468,000 |
| Interest expense | 210,000 | 421,000 | 640,000 | 854,000 |
| Net interest income | 1,052,000 | 2,193,000 | 3,423,000 | 4,614,000 |
| Noninterest income | 90,000 | 208,000 | 318,000 | 418,000 |
| Noninterest expense | 561,000 | 1,146,000 | 1,694,000 | 2,501,000 |
| Provision for loan losses | 0 | 0 | 0 | 120,000 |
| Pretax income | 581,000 | 1,255,000 | 2,047,000 | 2,419,000 |
| Income tax | 90,000 | 118,000 | 147,000 | 215,000 |
| Net income | 491,000 | 1,137,000 | 1,900,000 | 2,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,031,000 | 11,676,000 | 12,154,000 | 12,173,000 |
| Total capital | 11,990,000 | 12,699,000 | 13,248,000 | 13,258,000 |
| Risk-weighted assets | 76,544,000 | 81,771,000 | 87,519,000 | 86,709,000 |