Call reports 2015
FARMERS BUILDING AND SAVINGS BANK — 2015
What FARMERS BUILDING AND SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 95,222,000 | 94,371,000 | 93,601,000 | 93,989,000 |
| Total loans | 42,201,000 | 41,777,000 | 41,770,000 | 42,442,000 |
| Allowance for loan losses | 405,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,520,000 | 22,970,000 | 22,735,000 | 24,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,787,000 | 76,608,000 | 75,469,000 | 75,637,000 |
| Interest-bearing deposits | 77,731,000 | 76,464,000 | 75,469,000 | 75,539,000 |
| Noninterest-bearing deposits | 56,000 | 144,000 | 0 | 98,000 |
| Equity capital | 16,510,000 | 16,802,000 | 17,108,000 | 17,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,451,000 | 2,172,000 | 2,879,000 |
| Interest expense | 96,000 | 192,000 | 288,000 | 382,000 |
| Net interest income | 634,000 | 1,259,000 | 1,884,000 | 2,497,000 |
| Noninterest income | 26,000 | 52,000 | 77,000 | 102,000 |
| Noninterest expense | 331,000 | 654,000 | 969,000 | 1,296,000 |
| Provision for loan losses | 0 | 4,000 | 4,000 | 4,000 |
| Pretax income | 329,000 | 653,000 | 988,000 | 1,299,000 |
| Income tax | 31,000 | 63,000 | 92,000 | 173,000 |
| Net income | 298,000 | 590,000 | 896,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,510,000 | 16,802,000 | 17,108,000 | 17,338,000 |
| Total capital | 16,915,000 | 17,202,000 | 17,508,000 | 17,738,000 |
| Risk-weighted assets | 36,944,000 | 35,713,000 | 35,997,000 | 36,648,000 |