Call reports 2008
FARMERS SAVINGS BANK — 2008
What FARMERS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 44,571,000 | 43,347,000 | 44,034,000 | 44,759,000 |
| Total loans | 18,633,000 | 18,644,000 | 19,963,000 | 19,978,000 |
| Allowance for loan losses | 288,000 | 302,000 | 312,000 | 351,000 |
| Securities available for sale | 20,125,000 | 19,938,000 | 18,320,000 | 16,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,296,000 | 37,495,000 | 38,214,000 | 38,708,000 |
| Interest-bearing deposits | 33,174,000 | 32,335,000 | 32,383,000 | 32,316,000 |
| Noninterest-bearing deposits | 5,122,000 | 5,160,000 | 5,831,000 | 6,392,000 |
| Equity capital | 4,880,000 | 4,558,000 | 4,559,000 | 4,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,189,000 | 1,858,000 | 2,424,000 |
| Interest expense | 315,000 | 604,000 | 861,000 | 1,098,000 |
| Net interest income | 313,000 | 585,000 | 997,000 | 1,326,000 |
| Noninterest income | 73,000 | 161,000 | 220,000 | 300,000 |
| Noninterest expense | 345,000 | 651,000 | 986,000 | 1,352,000 |
| Provision for loan losses | 0 | 0 | 85,000 | 122,000 |
| Pretax income | 69,000 | 132,000 | 183,000 | 189,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 66,000 | 125,000 | 173,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,702,000 | 4,761,000 | 4,809,000 | 4,738,000 |
| Total capital | 4,990,000 | 5,063,000 | 5,121,000 | 5,077,000 |
| Risk-weighted assets | 25,034,000 | 25,633,000 | 26,969,000 | 27,140,000 |