Call reports 2002
FARMERS & TRADERS BANK OF CAMPTON — 2002
What FARMERS & TRADERS BANK OF CAMPTON reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 37,758,000 | 37,022,000 | 37,924,000 | 38,301,000 |
| Total loans | 20,757,000 | 19,922,000 | 20,592,000 | 21,615,000 |
| Allowance for loan losses | 297,000 | 319,000 | 343,000 | 375,000 |
| Securities available for sale | 8,754,000 | 9,916,000 | 9,152,000 | 7,830,000 |
| Securities held to maturity | 1,988,000 | 1,988,000 | 1,989,000 | 1,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,866,000 | 30,928,000 | 31,726,000 | 32,250,000 |
| Interest-bearing deposits | 25,966,000 | 25,475,000 | 24,989,000 | 26,389,000 |
| Noninterest-bearing deposits | 5,900,000 | 5,453,000 | 6,737,000 | 5,861,000 |
| Equity capital | 3,388,000 | 3,475,000 | 3,490,000 | 3,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,239,000 | 1,865,000 | 2,454,000 |
| Interest expense | 232,000 | 446,000 | 642,000 | 829,000 |
| Net interest income | 390,000 | 793,000 | 1,223,000 | 1,625,000 |
| Noninterest income | 81,000 | 160,000 | 233,000 | 299,000 |
| Noninterest expense | 326,000 | 653,000 | 971,000 | 1,218,000 |
| Provision for loan losses | 30,000 | 60,000 | 97,000 | 127,000 |
| Pretax income | 115,000 | 240,000 | 389,000 | 581,000 |
| Income tax | 35,000 | 74,000 | 121,000 | 184,000 |
| Net income | 80,000 | 166,000 | 268,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,839,000 | 2,804,000 | 2,784,000 | 2,867,000 |
| Total capital | 3,096,000 | 3,054,000 | 3,041,000 | 3,136,000 |
| Risk-weighted assets | 20,490,000 | 19,895,000 | 20,468,000 | 21,391,000 |