Call reports 2008
FARMERS AND TRADERS SAVINGS BANK — 2008
What FARMERS AND TRADERS 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 | 15,895,000 | 15,806,000 | 15,875,000 | 15,887,000 |
| Total loans | 11,283,000 | 11,365,000 | 11,667,000 | 11,760,000 |
| Allowance for loan losses | 88,000 | 88,000 | 88,000 | 75,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,162,000 | 14,075,000 | 14,113,000 | 14,125,000 |
| Interest-bearing deposits | 13,291,000 | 13,259,000 | 13,289,000 | 13,069,000 |
| Noninterest-bearing deposits | 871,000 | 816,000 | 824,000 | 1,056,000 |
| Equity capital | 1,604,000 | 1,629,000 | 1,644,000 | 1,667,000 |
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 | 255,000 | 502,000 | 752,000 | 997,000 |
| Interest expense | 112,000 | 224,000 | 333,000 | 437,000 |
| Net interest income | 143,000 | 278,000 | 419,000 | 560,000 |
| Noninterest income | 10,000 | 22,000 | 36,000 | 53,000 |
| Noninterest expense | 113,000 | 250,000 | 380,000 | 517,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 0 |
| Pretax income | 40,000 | 50,000 | 74,000 | 96,000 |
| Income tax | 6,000 | 18,000 | 21,000 | 19,000 |
| Net income | 34,000 | 32,000 | 53,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,604,000 | 1,629,000 | 1,644,000 | 1,667,000 |
| Total capital | 1,692,000 | 1,717,000 | 1,732,000 | 1,742,000 |
| Risk-weighted assets | 9,236,000 | 9,236,000 | 9,421,000 | 9,518,000 |