Call reports 2010
FARMERS BANK, WINDSOR VA — 2010
What FARMERS BANK, WINDSOR VA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 431,484,000 | 445,962,000 | 455,723,000 | 455,230,000 |
| Total loans | 272,876,000 | 258,107,000 | 248,221,000 | 239,178,000 |
| Allowance for loan losses | 14,030,000 | 10,538,000 | 10,423,000 | 9,925,000 |
| Securities available for sale | 146,816,000 | 173,214,000 | 191,366,000 | 200,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,832,000 | 363,596,000 | 370,071,000 | 372,050,000 |
| Interest-bearing deposits | 311,949,000 | 323,738,000 | 325,001,000 | 328,744,000 |
| Noninterest-bearing deposits | 39,883,000 | 39,858,000 | 45,070,000 | 43,306,000 |
| Equity capital | 35,111,000 | 36,376,000 | 38,010,000 | 34,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,315,000 | 10,716,000 | 16,115,000 | 21,421,000 |
| Interest expense | 2,014,000 | 4,024,000 | 6,004,000 | 7,943,000 |
| Net interest income | 3,301,000 | 6,692,000 | 10,111,000 | 13,478,000 |
| Noninterest income | 181,000 | 379,000 | 579,000 | 632,000 |
| Noninterest expense | 2,250,000 | 4,716,000 | 6,907,000 | 9,219,000 |
| Provision for loan losses | 6,950,000 | 8,250,000 | 10,475,000 | 12,575,000 |
| Pretax income | -5,535,000 | -4,915,000 | -4,124,000 | -4,894,000 |
| Income tax | -1,931,000 | -1,774,000 | -1,561,000 | -1,954,000 |
| Net income | -3,604,000 | -3,141,000 | -2,563,000 | -2,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,505,000 | 34,884,000 | 35,342,000 | 34,886,000 |
| Total capital | 37,185,000 | 38,351,000 | 38,737,000 | 38,121,000 |
| Risk-weighted assets | 283,673,000 | 270,083,000 | 264,536,000 | 252,085,000 |