Call reports 2016
FARMERS BUILDING AND SAVINGS BANK — 2016
What FARMERS BUILDING AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 93,337,000 | 93,048,000 | 93,309,000 | 93,829,000 |
| Total loans | 43,630,000 | 44,017,000 | 44,118,000 | 43,571,000 |
| Allowance for loan losses | 370,000 | 370,000 | 400,000 | 550,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,118,000 | 23,357,000 | 23,565,000 | 23,686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,715,000 | 74,105,000 | 74,005,000 | 74,418,000 |
| Interest-bearing deposits | 74,624,000 | 73,949,000 | 74,005,000 | 74,313,000 |
| Noninterest-bearing deposits | 91,000 | 156,000 | 0 | 104,000 |
| Equity capital | 17,609,000 | 17,906,000 | 18,202,000 | 18,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,456,000 | 2,210,000 | 2,924,000 |
| Interest expense | 94,000 | 186,000 | 279,000 | 372,000 |
| Net interest income | 630,000 | 1,270,000 | 1,931,000 | 2,552,000 |
| Noninterest income | 23,000 | 46,000 | 70,000 | 104,000 |
| Noninterest expense | 351,000 | 685,000 | 1,012,000 | 1,310,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 180,000 |
| Pretax income | 302,000 | 631,000 | 959,000 | 1,166,000 |
| Income tax | 31,000 | 63,000 | 95,000 | 175,000 |
| Net income | 271,000 | 568,000 | 864,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,609,000 | 17,906,000 | 18,202,000 | 18,329,000 |
| Total capital | 17,979,000 | 18,276,000 | 18,602,000 | 18,779,000 |
| Risk-weighted assets | 37,233,000 | 37,250,000 | 36,724,000 | 35,930,000 |