Call reports 2016
FARMERS AND TRADERS SAVINGS BANK — 2016
What FARMERS AND TRADERS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 19,320,000 | 19,758,000 | 19,705,000 | 20,833,000 |
| Total loans | 15,051,000 | 14,872,000 | 15,670,000 | 15,566,000 |
| Allowance for loan losses | 103,000 | 104,000 | 104,000 | 105,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,170,000 | 17,600,000 | 17,525,000 | 18,663,000 |
| Interest-bearing deposits | 15,777,000 | 16,337,000 | 16,210,000 | 17,178,000 |
| Noninterest-bearing deposits | 1,393,000 | 1,263,000 | 1,315,000 | 1,485,000 |
| Equity capital | 2,079,000 | 2,090,000 | 2,104,000 | 2,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 206,000 | 406,000 | 610,000 | 813,000 |
| Interest expense | 39,000 | 76,000 | 114,000 | 150,000 |
| Net interest income | 167,000 | 330,000 | 496,000 | 663,000 |
| Noninterest income | 9,000 | 20,000 | 27,000 | 34,000 |
| Noninterest expense | 133,000 | 294,000 | 444,000 | 615,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 56,000 | 79,000 | 82,000 |
| Income tax | 6,000 | 8,000 | 17,000 | 16,000 |
| Net income | 37,000 | 48,000 | 62,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,079,000 | 2,090,000 | 2,104,000 | 2,108,000 |
| Total capital | 2,182,000 | 2,194,000 | 2,208,000 | 2,213,000 |
| Risk-weighted assets | 12,268,000 | 12,288,000 | 12,629,000 | 12,797,000 |