Call reports 2013
FARMERS BUILDING AND SAVINGS BANK — 2013
What FARMERS BUILDING AND SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 93,853,000 | 95,556,000 | 96,316,000 | 96,808,000 |
| Total loans | 34,718,000 | 35,163,000 | 36,007,000 | 37,400,000 |
| Allowance for loan losses | 420,000 | 420,000 | 420,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,436,000 | 21,456,000 | 21,524,000 | 21,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,558,000 | 80,048,000 | 80,591,000 | 80,814,000 |
| Interest-bearing deposits | 78,551,000 | 79,994,000 | 80,591,000 | 80,768,000 |
| Noninterest-bearing deposits | 7,000 | 54,000 | 0 | 46,000 |
| Equity capital | 14,525,000 | 14,691,000 | 14,848,000 | 15,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,302,000 | 1,969,000 | 2,624,000 |
| Interest expense | 113,000 | 212,000 | 313,000 | 414,000 |
| Net interest income | 545,000 | 1,090,000 | 1,656,000 | 2,210,000 |
| Noninterest income | 27,000 | 55,000 | 82,000 | 100,000 |
| Noninterest expense | 305,000 | 621,000 | 947,000 | 1,258,000 |
| Provision for loan losses | 0 | 72,000 | 161,000 | 142,000 |
| Pretax income | 267,000 | 452,000 | 630,000 | 910,000 |
| Income tax | 20,000 | 39,000 | 59,000 | 24,000 |
| Net income | 247,000 | 413,000 | 571,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,525,000 | 14,691,000 | 14,848,000 | 15,163,000 |
| Total capital | 14,945,000 | 15,111,000 | 15,268,000 | 15,563,000 |
| Risk-weighted assets | 33,645,000 | 34,088,000 | 34,692,000 | 35,236,000 |