Call reports 2004
FARMERS AND TRADERS SAVINGS BANK — 2004
What FARMERS AND TRADERS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 17,111,000 | 16,693,000 | 16,618,000 | 16,858,000 |
| Total loans | 10,679,000 | 10,765,000 | 11,071,000 | 10,775,000 |
| Allowance for loan losses | 76,000 | 76,000 | 76,000 | 76,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 100,000 | 200,000 | 300,000 | 163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,646,000 | 15,233,000 | 15,122,000 | 15,360,000 |
| Interest-bearing deposits | 14,938,000 | 14,543,000 | 14,326,000 | 14,456,000 |
| Noninterest-bearing deposits | 708,000 | 690,000 | 796,000 | 904,000 |
| Equity capital | 1,382,000 | 1,369,000 | 1,408,000 | 1,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 224,000 | 447,000 | 671,000 | 900,000 |
| Interest expense | 94,000 | 186,000 | 273,000 | 356,000 |
| Net interest income | 130,000 | 261,000 | 398,000 | 544,000 |
| Noninterest income | 12,000 | 24,000 | 37,000 | 53,000 |
| Noninterest expense | 104,000 | 223,000 | 333,000 | 483,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 38,000 | 62,000 | 102,000 | 114,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 36,000 | 57,000 | 95,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,382,000 | 1,369,000 | 1,408,000 | 1,418,000 |
| Total capital | 1,458,000 | 1,445,000 | 1,484,000 | 1,494,000 |
| Risk-weighted assets | 9,023,000 | 9,218,000 | 9,420,000 | 9,136,000 |