Call reports 2011
FARMERS BANK OF LYNCHBURG, THE — 2011
What FARMERS BANK OF LYNCHBURG, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 202,218,000 | 179,486,000 | 162,352,000 | 158,152,000 |
| Total loans | 129,106,000 | 118,278,000 | 117,663,000 | 108,176,000 |
| Allowance for loan losses | 5,150,000 | 4,179,000 | 6,599,000 | 3,875,000 |
| Securities available for sale | 11,407,000 | 11,183,000 | 11,230,000 | 10,835,000 |
| Securities held to maturity | 14,000 | 14,000 | 12,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,309,000 | 158,325,000 | 153,226,000 | 150,465,000 |
| Interest-bearing deposits | 155,530,000 | 137,643,000 | 132,755,000 | 130,021,000 |
| Noninterest-bearing deposits | 24,779,000 | 20,681,000 | 20,471,000 | 20,444,000 |
| Equity capital | 21,184,000 | 20,623,000 | 8,378,000 | 6,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,013,000 | 3,757,000 | 5,465,000 | 7,015,000 |
| Interest expense | 520,000 | 962,000 | 1,361,000 | 1,730,000 |
| Net interest income | 1,493,000 | 2,795,000 | 4,104,000 | 5,285,000 |
| Noninterest income | 186,000 | 502,000 | 596,000 | 739,000 |
| Noninterest expense | 1,943,000 | 4,566,000 | 6,452,000 | 8,235,000 |
| Provision for loan losses | 0 | 0 | 2,600,000 | 3,550,000 |
| Pretax income | -264,000 | -1,269,000 | -4,352,000 | -5,761,000 |
| Income tax | -101,000 | -526,000 | 8,824,000 | 9,034,000 |
| Net income | -163,000 | -743,000 | -13,176,000 | -14,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,709,000 | 8,413,000 | 5,411,000 | 4,078,000 |
| Total capital | 10,473,000 | 10,005,000 | 6,964,000 | 5,533,000 |
| Risk-weighted assets | 138,192,000 | 124,810,000 | 119,542,000 | 115,314,000 |