Call reports 2008
FARMERS BUILDING AND SAVINGS BANK — 2008
What FARMERS BUILDING AND 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 | 54,160,000 | 54,806,000 | 56,342,000 | 55,769,000 |
| Total loans | 30,079,000 | 31,276,000 | 32,218,000 | 32,828,000 |
| Allowance for loan losses | 95,000 | 100,000 | 95,000 | 145,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,534,000 | 12,646,000 | 12,617,000 | 12,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,604,000 | 43,157,000 | 44,538,000 | 43,871,000 |
| Interest-bearing deposits | 42,527,000 | 43,057,000 | 44,533,000 | 43,804,000 |
| Noninterest-bearing deposits | 78,000 | 100,000 | 5,000 | 68,000 |
| Equity capital | 10,923,000 | 11,025,000 | 11,114,000 | 11,254,000 |
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 | 686,000 | 1,328,000 | 2,008,000 | 2,714,000 |
| Interest expense | 294,000 | 559,000 | 834,000 | 1,058,000 |
| Net interest income | 392,000 | 769,000 | 1,174,000 | 1,656,000 |
| Noninterest income | 20,000 | 38,000 | 55,000 | 86,000 |
| Noninterest expense | 303,000 | 549,000 | 810,000 | 1,044,000 |
| Provision for loan losses | 0 | 0 | 16,000 | 123,000 |
| Pretax income | 109,000 | 258,000 | 403,000 | 575,000 |
| Income tax | 32,000 | 79,000 | 135,000 | 167,000 |
| Net income | 77,000 | 179,000 | 268,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,923,000 | 11,025,000 | 11,114,000 | 11,254,000 |
| Total capital | 11,018,000 | 11,125,000 | 11,209,000 | 11,399,000 |
| Risk-weighted assets | 24,593,000 | 26,058,000 | 25,864,000 | 25,877,000 |