Call reports 2010
FARMERS AND TRADERS SAVINGS BANK — 2010
What FARMERS AND TRADERS 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 | 17,003,000 | 17,208,000 | 16,705,000 | 17,008,000 |
| Total loans | 11,782,000 | 12,243,000 | 12,370,000 | 12,495,000 |
| Allowance for loan losses | 88,000 | 88,000 | 88,000 | 83,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,199,000 | 15,383,000 | 14,850,000 | 15,176,000 |
| Interest-bearing deposits | 14,492,000 | 14,625,000 | 14,119,000 | 14,258,000 |
| Noninterest-bearing deposits | 707,000 | 758,000 | 731,000 | 918,000 |
| Equity capital | 1,728,000 | 1,742,000 | 1,779,000 | 1,758,000 |
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 | 219,000 | 438,000 | 661,000 | 867,000 |
| Interest expense | 77,000 | 151,000 | 218,000 | 281,000 |
| Net interest income | 142,000 | 287,000 | 443,000 | 586,000 |
| Noninterest income | 11,000 | 25,000 | 38,000 | 53,000 |
| Noninterest expense | 120,000 | 262,000 | 391,000 | 564,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 33,000 | 50,000 | 90,000 | 75,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 14,000 |
| Net income | 31,000 | 45,000 | 82,000 | 61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,728,000 | 1,742,000 | 1,779,000 | 1,758,000 |
| Total capital | 1,816,000 | 1,830,000 | 1,867,000 | 1,841,000 |
| Risk-weighted assets | 10,009,000 | 10,187,000 | 10,206,000 | 10,226,000 |