Call reports 2015
FARMERS BANK, WINDSOR VA — 2015
What FARMERS BANK, WINDSOR VA 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 | 423,837,000 | 410,355,000 | 404,507,000 | 415,015,000 |
| Total loans | 245,914,000 | 246,083,000 | 241,072,000 | 249,286,000 |
| Allowance for loan losses | 8,152,000 | 7,784,000 | 6,542,000 | 6,344,000 |
| Securities available for sale | 140,160,000 | 140,109,000 | 136,355,000 | 134,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,487,000 | 329,342,000 | 325,543,000 | 337,021,000 |
| Interest-bearing deposits | 257,426,000 | 246,593,000 | 241,674,000 | 239,455,000 |
| Noninterest-bearing deposits | 83,061,000 | 82,749,000 | 83,869,000 | 97,566,000 |
| Equity capital | 48,209,000 | 47,514,000 | 48,675,000 | 49,167,000 |
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 | 3,968,000 | 8,013,000 | 11,980,000 | 16,044,000 |
| Interest expense | 647,000 | 1,220,000 | 1,748,000 | 2,213,000 |
| Net interest income | 3,321,000 | 6,793,000 | 10,232,000 | 13,831,000 |
| Noninterest income | 496,000 | 1,018,000 | 1,667,000 | 2,404,000 |
| Noninterest expense | 2,642,000 | 5,444,000 | 8,556,000 | 11,381,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,175,000 | 2,421,000 | 3,745,000 | 5,277,000 |
| Income tax | 260,000 | 517,000 | 796,000 | 1,149,000 |
| Net income | 915,000 | 1,904,000 | 2,949,000 | 4,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,717,000 | 44,987,000 | 45,774,000 | 46,766,000 |
| Total capital | 48,144,000 | 48,369,000 | 49,101,000 | 50,194,000 |
| Risk-weighted assets | 269,441,000 | 266,171,000 | 262,950,000 | 271,366,000 |