Call reports 2014
FARMERS AND TRADERS SAVINGS BANK — 2014
What FARMERS AND TRADERS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 20,476,000 | 20,058,000 | 19,908,000 | 20,023,000 |
| Total loans | 13,170,000 | 13,665,000 | 14,120,000 | 14,419,000 |
| Allowance for loan losses | 95,000 | 95,000 | 95,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,460,000 | 18,015,000 | 17,840,000 | 17,962,000 |
| Interest-bearing deposits | 17,415,000 | 16,974,000 | 16,843,000 | 16,716,000 |
| Noninterest-bearing deposits | 1,045,000 | 1,041,000 | 997,000 | 1,246,000 |
| Equity capital | 1,952,000 | 1,991,000 | 2,014,000 | 2,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 184,000 | 373,000 | 570,000 | 742,000 |
| Interest expense | 46,000 | 92,000 | 138,000 | 182,000 |
| Net interest income | 138,000 | 281,000 | 432,000 | 560,000 |
| Noninterest income | 11,000 | 32,000 | 43,000 | 53,000 |
| Noninterest expense | 132,000 | 269,000 | 405,000 | 558,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 44,000 | 70,000 | 55,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 17,000 |
| Net income | 14,000 | 38,000 | 61,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,952,000 | 1,991,000 | 2,014,000 | 2,007,000 |
| Total capital | 2,047,000 | 2,086,000 | 2,109,000 | 2,107,000 |
| Risk-weighted assets | 11,228,000 | 11,295,000 | 11,535,000 | 11,768,000 |