Call reports 2010
FARMERS SAVINGS BANK — 2010
What FARMERS SAVINGS BANK 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 | 44,586,000 | 44,513,000 | 43,932,000 | 44,132,000 |
| Total loans | 19,743,000 | 17,290,000 | 17,564,000 | 16,196,000 |
| Allowance for loan losses | 325,000 | 220,000 | 216,000 | 203,000 |
| Securities available for sale | 20,395,000 | 20,252,000 | 20,559,000 | 22,350,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,639,000 | 38,541,000 | 37,926,000 | 38,915,000 |
| Interest-bearing deposits | 32,841,000 | 32,925,000 | 32,539,000 | 32,765,000 |
| Noninterest-bearing deposits | 4,798,000 | 5,616,000 | 5,387,000 | 6,150,000 |
| Equity capital | 4,930,000 | 4,799,000 | 4,839,000 | 4,017,000 |
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 | 573,000 | 1,104,000 | 1,602,000 | 2,100,000 |
| Interest expense | 159,000 | 317,000 | 469,000 | 611,000 |
| Net interest income | 414,000 | 787,000 | 1,133,000 | 1,489,000 |
| Noninterest income | 27,000 | 51,000 | 111,000 | 153,000 |
| Noninterest expense | 351,000 | 717,000 | 1,093,000 | 1,471,000 |
| Provision for loan losses | 24,000 | 290,000 | 330,000 | 330,000 |
| Pretax income | 66,000 | -161,000 | -123,000 | -102,000 |
| Income tax | 6,000 | 2,000 | 2,000 | -3,000 |
| Net income | 60,000 | -163,000 | -125,000 | -99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,706,000 | 4,482,000 | 4,520,000 | 4,546,000 |
| Total capital | 5,031,000 | 4,702,000 | 4,736,000 | 4,749,000 |
| Risk-weighted assets | 28,022,000 | 25,735,000 | 26,555,000 | 25,782,000 |