Call reports 2009
FARMERS SAVINGS BANK — 2009
What FARMERS SAVINGS BANK 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 | 45,458,000 | 46,752,000 | 46,284,000 | 45,041,000 |
| Total loans | 20,530,000 | 20,236,000 | 18,989,000 | 19,411,000 |
| Allowance for loan losses | 356,000 | 417,000 | 275,000 | 296,000 |
| Securities available for sale | 18,648,000 | 21,883,000 | 21,206,000 | 20,538,000 |
| Securities held to maturity | 0 | 0 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,421,000 | 39,807,000 | 39,944,000 | 38,654,000 |
| Interest-bearing deposits | 33,917,000 | 34,501,000 | 34,415,000 | 32,410,000 |
| Noninterest-bearing deposits | 5,504,000 | 5,306,000 | 5,529,000 | 6,244,000 |
| Equity capital | 4,835,000 | 4,727,000 | 4,816,000 | 4,650,000 |
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 | 548,000 | 1,143,000 | 1,755,000 | 2,353,000 |
| Interest expense | 218,000 | 435,000 | 644,000 | 823,000 |
| Net interest income | 330,000 | 708,000 | 1,111,000 | 1,530,000 |
| Noninterest income | 73,000 | 141,000 | 179,000 | 216,000 |
| Noninterest expense | 347,000 | 692,000 | 1,063,000 | 1,468,000 |
| Provision for loan losses | 0 | 84,000 | 358,000 | 379,000 |
| Pretax income | 57,000 | 74,000 | -129,000 | -95,000 |
| Income tax | 3,000 | 8,000 | 8,000 | -2,000 |
| Net income | 54,000 | 66,000 | -137,000 | -93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,792,000 | 4,803,000 | 4,600,000 | 4,645,000 |
| Total capital | 5,137,000 | 5,157,000 | 4,875,000 | 4,941,000 |
| Risk-weighted assets | 27,567,000 | 28,295,000 | 27,461,000 | 27,760,000 |