Call reports 2013
FARMERS BANK, WINDSOR VA — 2013
What FARMERS BANK, WINDSOR VA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 389,757,000 | 384,106,000 | 398,619,000 | 412,436,000 |
| Total loans | 229,635,000 | 231,009,000 | 235,249,000 | 229,223,000 |
| Allowance for loan losses | 8,171,000 | 8,143,000 | 7,938,000 | 7,381,000 |
| Securities available for sale | 142,521,000 | 136,856,000 | 140,224,000 | 140,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,367,000 | 322,394,000 | 335,901,000 | 344,644,000 |
| Interest-bearing deposits | 266,604,000 | 264,798,000 | 271,538,000 | 272,311,000 |
| Noninterest-bearing deposits | 58,763,000 | 57,597,000 | 64,363,000 | 72,332,000 |
| Equity capital | 40,206,000 | 38,625,000 | 38,788,000 | 43,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,953,000 | 7,916,000 | 11,878,000 | 15,909,000 |
| Interest expense | 848,000 | 1,660,000 | 2,430,000 | 3,140,000 |
| Net interest income | 3,105,000 | 6,256,000 | 9,448,000 | 12,769,000 |
| Noninterest income | 292,000 | 478,000 | 815,000 | 1,107,000 |
| Noninterest expense | 2,411,000 | 5,030,000 | 7,526,000 | 9,992,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 986,000 | 1,704,000 | 2,846,000 | 4,493,000 |
| Income tax | 236,000 | 358,000 | 652,000 | 1,112,000 |
| Net income | 750,000 | 1,346,000 | 2,194,000 | 3,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,065,000 | 36,581,000 | 37,183,000 | 42,163,000 |
| Total capital | 39,159,000 | 39,688,000 | 40,351,000 | 45,294,000 |
| Risk-weighted assets | 242,853,000 | 243,543,000 | 248,717,000 | 246,215,000 |