Call reports 2015
FARMERS AND TRADERS SAVINGS BANK — 2015
What FARMERS AND TRADERS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 19,371,000 | 19,363,000 | 19,356,000 | 19,661,000 |
| Total loans | 14,426,000 | 14,658,000 | 14,825,000 | 15,296,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 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 | 17,277,000 | 17,235,000 | 17,196,000 | 17,541,000 |
| Interest-bearing deposits | 16,027,000 | 15,896,000 | 15,986,000 | 16,187,000 |
| Noninterest-bearing deposits | 1,250,000 | 1,339,000 | 1,210,000 | 1,354,000 |
| Equity capital | 2,040,000 | 2,060,000 | 2,103,000 | 2,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 193,000 | 390,000 | 590,000 | 792,000 |
| Interest expense | 43,000 | 82,000 | 121,000 | 160,000 |
| Net interest income | 150,000 | 308,000 | 469,000 | 632,000 |
| Noninterest income | 8,000 | 16,000 | 23,000 | 30,000 |
| Noninterest expense | 123,000 | 261,000 | 406,000 | 564,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 35,000 | 63,000 | 86,000 | 98,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 33,000 |
| Net income | 33,000 | 59,000 | 80,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,040,000 | 2,060,000 | 2,103,000 | 2,042,000 |
| Total capital | 2,140,000 | 2,160,000 | 2,203,000 | 2,142,000 |
| Risk-weighted assets | 11,617,000 | 11,828,000 | 12,047,000 | 12,380,000 |