Call reports 2015
FARMERS SAVINGS BANK — 2015
What FARMERS SAVINGS BANK 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 | 124,313,000 | 125,462,000 | 130,441,000 | 134,100,000 |
| Total loans | 105,924,000 | 108,596,000 | 112,447,000 | 109,806,000 |
| Allowance for loan losses | 1,197,000 | 1,096,000 | 1,204,000 | 986,000 |
| Securities available for sale | 11,644,000 | 9,710,000 | 9,091,000 | 8,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,370,000 | 104,524,000 | 106,397,000 | 114,450,000 |
| Interest-bearing deposits | 88,475,000 | 90,019,000 | 91,362,000 | 97,709,000 |
| Noninterest-bearing deposits | 12,895,000 | 14,505,000 | 15,035,000 | 16,741,000 |
| Equity capital | 12,823,000 | 13,156,000 | 13,417,000 | 13,925,000 |
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 | 1,519,000 | 3,028,000 | 4,538,000 | 6,078,000 |
| Interest expense | 205,000 | 415,000 | 628,000 | 863,000 |
| Net interest income | 1,314,000 | 2,613,000 | 3,910,000 | 5,215,000 |
| Noninterest income | 121,000 | 242,000 | 338,000 | 435,000 |
| Noninterest expense | 643,000 | 1,275,000 | 1,932,000 | 2,577,000 |
| Provision for loan losses | 0 | 220,000 | 390,000 | 390,000 |
| Pretax income | 792,000 | 1,360,000 | 1,926,000 | 2,683,000 |
| Income tax | 29,000 | 83,000 | 139,000 | 115,000 |
| Net income | 763,000 | 1,277,000 | 1,787,000 | 2,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,649,000 | 13,038,000 | 13,267,000 | 13,792,000 |
| Total capital | 13,780,000 | 14,134,000 | 14,471,000 | 14,778,000 |
| Risk-weighted assets | 90,430,000 | 93,010,000 | 96,854,000 | 94,145,000 |