Call reports 2010
FARMERS BUILDING AND SAVINGS BANK — 2010
What FARMERS BUILDING AND 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 | 65,948,000 | 70,841,000 | 73,217,000 | 77,737,000 |
| Total loans | 33,685,000 | 34,196,000 | 35,660,000 | 35,799,000 |
| Allowance for loan losses | 240,000 | 240,000 | 240,000 | 250,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,894,000 | 15,675,000 | 16,403,000 | 16,816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,249,000 | 57,995,000 | 60,170,000 | 64,506,000 |
| Interest-bearing deposits | 53,193,000 | 57,911,000 | 60,170,000 | 64,431,000 |
| Noninterest-bearing deposits | 56,000 | 84,000 | 0 | 75,000 |
| Equity capital | 12,009,000 | 12,151,000 | 12,319,000 | 12,536,000 |
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 | 641,000 | 1,316,000 | 1,952,000 | 2,626,000 |
| Interest expense | 190,000 | 397,000 | 583,000 | 779,000 |
| Net interest income | 451,000 | 919,000 | 1,369,000 | 1,847,000 |
| Noninterest income | 25,000 | 51,000 | 77,000 | 94,000 |
| Noninterest expense | 266,000 | 545,000 | 839,000 | 1,132,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 210,000 | 425,000 | 607,000 | 823,000 |
| Income tax | 74,000 | 147,000 | 161,000 | 160,000 |
| Net income | 136,000 | 278,000 | 446,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,009,000 | 12,151,000 | 12,319,000 | 12,536,000 |
| Total capital | 12,249,000 | 12,391,000 | 12,559,000 | 12,786,000 |
| Risk-weighted assets | 27,592,000 | 28,975,000 | 29,848,000 | 31,098,000 |