Call reports 2009
FARMERS BANK, WINDSOR VA — 2009
What FARMERS BANK, WINDSOR VA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 409,895,000 | 423,084,000 | 434,663,000 | 420,525,000 |
| Total loans | 286,796,000 | 285,255,000 | 283,576,000 | 273,350,000 |
| Allowance for loan losses | 4,673,000 | 5,205,000 | 7,550,000 | 7,183,000 |
| Securities available for sale | 109,954,000 | 122,534,000 | 131,466,000 | 130,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,129,000 | 338,710,000 | 341,086,000 | 342,677,000 |
| Interest-bearing deposits | 281,087,000 | 299,887,000 | 302,090,000 | 300,577,000 |
| Noninterest-bearing deposits | 35,042,000 | 38,823,000 | 38,996,000 | 42,100,000 |
| Equity capital | 39,265,000 | 39,001,000 | 39,635,000 | 38,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,374,000 | 10,963,000 | 16,874,000 | 22,603,000 |
| Interest expense | 2,463,000 | 4,904,000 | 7,348,000 | 9,570,000 |
| Net interest income | 2,911,000 | 6,059,000 | 9,526,000 | 13,033,000 |
| Noninterest income | 296,000 | 572,000 | 792,000 | 1,055,000 |
| Noninterest expense | 1,985,000 | 4,295,000 | 6,482,000 | 8,765,000 |
| Provision for loan losses | 825,000 | 1,725,000 | 4,075,000 | 5,875,000 |
| Pretax income | 948,000 | 1,769,000 | 1,125,000 | 1,266,000 |
| Income tax | 296,000 | 541,000 | 261,000 | 253,000 |
| Net income | 652,000 | 1,228,000 | 864,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,147,000 | 39,301,000 | 38,819,000 | 38,584,000 |
| Total capital | 42,921,000 | 43,054,000 | 42,585,000 | 42,228,000 |
| Risk-weighted assets | 300,909,000 | 298,851,000 | 297,523,000 | 287,950,000 |