Call reports 2014
FARMERS BUILDING AND SAVINGS BANK — 2014
What FARMERS BUILDING AND SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 96,633,000 | 95,994,000 | 95,562,000 | 95,269,000 |
| Total loans | 38,949,000 | 39,557,000 | 40,119,000 | 42,003,000 |
| Allowance for loan losses | 327,000 | 327,000 | 380,000 | 405,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,868,000 | 22,035,000 | 22,189,000 | 23,185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,370,000 | 79,361,000 | 78,637,000 | 78,105,000 |
| Interest-bearing deposits | 80,329,000 | 79,262,000 | 78,637,000 | 78,042,000 |
| Noninterest-bearing deposits | 41,000 | 99,000 | 0 | 63,000 |
| Equity capital | 15,434,000 | 15,758,000 | 15,999,000 | 16,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,414,000 | 2,102,000 | 2,810,000 |
| Interest expense | 99,000 | 198,000 | 298,000 | 397,000 |
| Net interest income | 591,000 | 1,216,000 | 1,804,000 | 2,413,000 |
| Noninterest income | 26,000 | 53,000 | 79,000 | 101,000 |
| Noninterest expense | 334,000 | 650,000 | 952,000 | 1,243,000 |
| Provision for loan losses | 0 | 0 | 53,000 | 78,000 |
| Pretax income | 283,000 | 619,000 | 878,000 | 1,193,000 |
| Income tax | 12,000 | 24,000 | 42,000 | 144,000 |
| Net income | 271,000 | 595,000 | 836,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,434,000 | 15,758,000 | 15,999,000 | 16,212,000 |
| Total capital | 15,761,000 | 16,085,000 | 16,379,000 | 16,617,000 |
| Risk-weighted assets | 35,670,000 | 35,992,000 | 36,147,000 | 36,196,000 |