Call reports 2004
FARMERS & TRADERS BANK OF CAMPTON — 2004
What FARMERS & TRADERS BANK OF CAMPTON reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,074,000 | 43,303,000 | 36,995,000 | 35,510,000 |
| Total loans | 18,100,000 | 18,551,000 | 19,619,000 | 20,253,000 |
| Allowance for loan losses | 399,000 | 413,000 | 431,000 | 475,000 |
| Securities available for sale | 9,877,000 | 9,614,000 | 10,303,000 | 10,640,000 |
| Securities held to maturity | 2,840,000 | 2,841,000 | 2,841,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,938,000 | 38,266,000 | 31,735,000 | 29,768,000 |
| Interest-bearing deposits | 24,646,000 | 33,299,000 | 26,675,000 | 24,387,000 |
| Noninterest-bearing deposits | 5,292,000 | 4,967,000 | 5,060,000 | 5,381,000 |
| Equity capital | 3,745,000 | 3,624,000 | 3,859,000 | 3,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 494,000 | 995,000 | 1,515,000 | 2,014,000 |
| Interest expense | 104,000 | 208,000 | 322,000 | 433,000 |
| Net interest income | 390,000 | 787,000 | 1,193,000 | 1,581,000 |
| Noninterest income | 64,000 | 157,000 | 280,000 | 346,000 |
| Noninterest expense | 359,000 | 694,000 | 1,049,000 | 1,351,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 37,000 |
| Pretax income | 86,000 | 232,000 | 397,000 | 549,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 86,000 | 232,000 | 397,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,030,000 | 3,108,000 | 3,222,000 | 3,111,000 |
| Total capital | 3,277,000 | 3,377,000 | 3,485,000 | 3,375,000 |
| Risk-weighted assets | 19,595,000 | 21,394,000 | 20,870,000 | 20,933,000 |