Call reports 2008
FARMERS & TRADERS BANK OF CAMPTON — 2008
What FARMERS & TRADERS BANK OF CAMPTON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 42,609,000 | 42,250,000 | 42,626,000 | 44,578,000 |
| Total loans | 24,315,000 | 25,306,000 | 27,161,000 | 28,253,000 |
| Allowance for loan losses | 258,000 | 253,000 | 259,000 | 299,000 |
| Securities available for sale | 10,379,000 | 11,350,000 | 10,982,000 | 11,027,000 |
| Securities held to maturity | 850,000 | 850,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,761,000 | 37,495,000 | 36,380,000 | 36,250,000 |
| Interest-bearing deposits | 25,073,000 | 31,079,000 | 30,427,000 | 30,203,000 |
| Noninterest-bearing deposits | 12,688,000 | 6,416,000 | 5,953,000 | 6,047,000 |
| Equity capital | 3,599,000 | 3,509,000 | 3,489,000 | 3,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 610,000 | 1,230,000 | 1,864,000 | 2,504,000 |
| Interest expense | 272,000 | 521,000 | 761,000 | 989,000 |
| Net interest income | 338,000 | 709,000 | 1,103,000 | 1,515,000 |
| Noninterest income | 107,000 | 242,000 | 372,000 | 511,000 |
| Noninterest expense | 351,000 | 711,000 | 1,076,000 | 1,404,000 |
| Provision for loan losses | 15,000 | 30,000 | 61,000 | 169,000 |
| Pretax income | 87,000 | 218,000 | 346,000 | 461,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 87,000 | 218,000 | 346,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,950,000 | 3,016,000 | 3,035,000 | 3,095,000 |
| Total capital | 3,211,000 | 3,272,000 | 3,297,000 | 3,397,000 |
| Risk-weighted assets | 24,847,000 | 25,392,000 | 27,523,000 | 28,424,000 |