Call reports 2012
FARMERS BUILDING AND SAVINGS BANK — 2012
What FARMERS BUILDING AND SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 89,718,000 | 91,910,000 | 91,478,000 | 92,725,000 |
| Total loans | 35,258,000 | 35,011,000 | 34,355,000 | 34,755,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 420,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,956,000 | 20,951,000 | 21,546,000 | 21,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,460,000 | 77,357,000 | 76,629,000 | 77,689,000 |
| Interest-bearing deposits | 75,410,000 | 77,284,000 | 76,629,000 | 77,670,000 |
| Noninterest-bearing deposits | 50,000 | 73,000 | 0 | 19,000 |
| Equity capital | 13,526,000 | 13,795,000 | 14,002,000 | 14,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,395,000 | 2,105,000 | 2,770,000 |
| Interest expense | 139,000 | 282,000 | 427,000 | 572,000 |
| Net interest income | 567,000 | 1,113,000 | 1,678,000 | 2,198,000 |
| Noninterest income | 26,000 | 54,000 | 81,000 | 111,000 |
| Noninterest expense | 321,000 | 610,000 | 908,000 | 1,165,000 |
| Provision for loan losses | 0 | 0 | 23,000 | 143,000 |
| Pretax income | 272,000 | 557,000 | 828,000 | 1,001,000 |
| Income tax | 74,000 | 90,000 | 154,000 | 51,000 |
| Net income | 198,000 | 467,000 | 674,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,526,000 | 13,795,000 | 14,002,000 | 14,278,000 |
| Total capital | 13,826,000 | 14,095,000 | 14,302,000 | 14,698,000 |
| Risk-weighted assets | 33,095,000 | 33,530,000 | 33,242,000 | 33,701,000 |