Call reports 2005
FARMERS & TRADERS BANK OF CAMPTON — 2005
What FARMERS & TRADERS BANK OF CAMPTON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,536,000 | 37,094,000 | 37,786,000 | 37,076,000 |
| Total loans | 19,629,000 | 19,627,000 | 20,436,000 | 20,372,000 |
| Allowance for loan losses | 471,000 | 458,000 | 467,000 | 457,000 |
| Securities available for sale | 12,238,000 | 11,873,000 | 12,423,000 | 12,006,000 |
| Securities held to maturity | 850,000 | 850,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,784,000 | 32,373,000 | 31,617,000 | 31,718,000 |
| Interest-bearing deposits | 27,264,000 | 26,587,000 | 25,293,000 | 25,172,000 |
| Noninterest-bearing deposits | 5,520,000 | 5,786,000 | 6,324,000 | 6,546,000 |
| Equity capital | 3,548,000 | 3,514,000 | 3,230,000 | 3,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 500,000 | 1,004,000 | 1,538,000 | 2,073,000 |
| Interest expense | 123,000 | 254,000 | 395,000 | 554,000 |
| Net interest income | 377,000 | 750,000 | 1,143,000 | 1,519,000 |
| Noninterest income | 75,000 | 147,000 | 222,000 | 305,000 |
| Noninterest expense | 338,000 | 686,000 | 1,020,000 | 1,271,000 |
| Provision for loan losses | 9,000 | 18,000 | 23,000 | 23,000 |
| Pretax income | 106,000 | 194,000 | 323,000 | 531,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 194,000 | 323,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,058,000 | 2,973,000 | 2,784,000 | 2,945,000 |
| Total capital | 3,326,000 | 3,239,000 | 3,059,000 | 3,220,000 |
| Risk-weighted assets | 21,205,000 | 21,068,000 | 21,807,000 | 21,780,000 |