Call reports 2009
FARMERS AND TRADERS SAVINGS BANK — 2009
What FARMERS AND TRADERS 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 | 16,403,000 | 16,475,000 | 16,603,000 | 16,850,000 |
| Total loans | 11,440,000 | 12,204,000 | 12,398,000 | 12,320,000 |
| Allowance for loan losses | 83,000 | 83,000 | 83,000 | 88,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,618,000 | 14,663,000 | 14,766,000 | 15,060,000 |
| Interest-bearing deposits | 13,841,000 | 13,840,000 | 14,031,000 | 14,362,000 |
| Noninterest-bearing deposits | 777,000 | 823,000 | 735,000 | 698,000 |
| Equity capital | 1,693,000 | 1,713,000 | 1,746,000 | 1,697,000 |
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 | 235,000 | 471,000 | 710,000 | 951,000 |
| Interest expense | 101,000 | 197,000 | 287,000 | 369,000 |
| Net interest income | 134,000 | 274,000 | 423,000 | 582,000 |
| Noninterest income | 12,000 | 21,000 | 36,000 | 50,000 |
| Noninterest expense | 117,000 | 243,000 | 382,000 | 523,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 29,000 | 52,000 | 77,000 | 89,000 |
| Income tax | 3,000 | 6,000 | 11,000 | 26,000 |
| Net income | 26,000 | 46,000 | 66,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,693,000 | 1,713,000 | 1,746,000 | 1,697,000 |
| Total capital | 1,776,000 | 1,796,000 | 1,829,000 | 1,785,000 |
| Risk-weighted assets | 9,397,000 | 9,967,000 | 10,227,000 | 10,371,000 |