Call reports 2012
FARMERS AND TRADERS SAVINGS BANK — 2012
What FARMERS AND TRADERS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 18,196,000 | 19,579,000 | 19,214,000 | 19,171,000 |
| Total loans | 13,657,000 | 13,807,000 | 13,833,000 | 13,579,000 |
| Allowance for loan losses | 83,000 | 83,000 | 103,000 | 101,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,247,000 | 17,607,000 | 17,238,000 | 17,242,000 |
| Interest-bearing deposits | 15,293,000 | 15,878,000 | 16,140,000 | 16,166,000 |
| Noninterest-bearing deposits | 954,000 | 1,729,000 | 1,098,000 | 1,076,000 |
| Equity capital | 1,872,000 | 1,892,000 | 1,890,000 | 1,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 210,000 | 417,000 | 620,000 | 829,000 |
| Interest expense | 55,000 | 111,000 | 167,000 | 222,000 |
| Net interest income | 155,000 | 306,000 | 453,000 | 607,000 |
| Noninterest income | 10,000 | 20,000 | 33,000 | 45,000 |
| Noninterest expense | 123,000 | 260,000 | 397,000 | 593,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 42,000 | 66,000 | 69,000 | 39,000 |
| Income tax | 5,000 | 8,000 | 14,000 | 10,000 |
| Net income | 37,000 | 58,000 | 55,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,872,000 | 1,892,000 | 1,890,000 | 1,864,000 |
| Total capital | 1,955,000 | 1,975,000 | 1,993,000 | 1,965,000 |
| Risk-weighted assets | 10,905,000 | 11,298,000 | 11,221,000 | 10,985,000 |