Call reports 2009
FARMERS & TRADERS BANK OF CAMPTON — 2009
What FARMERS & TRADERS BANK OF CAMPTON reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 43,244,000 | 42,865,000 | 42,564,000 | 44,981,000 |
| Total loans | 28,911,000 | 28,568,000 | 28,282,000 | 28,315,000 |
| Allowance for loan losses | 382,000 | 398,000 | 405,000 | 436,000 |
| Securities available for sale | 9,172,000 | 8,439,000 | 8,056,000 | 9,150,000 |
| Securities held to maturity | 850,000 | 850,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,722,000 | 37,459,000 | 37,035,000 | 39,460,000 |
| Interest-bearing deposits | 30,194,000 | 30,741,000 | 30,527,000 | 27,258,000 |
| Noninterest-bearing deposits | 6,528,000 | 6,718,000 | 6,508,000 | 12,202,000 |
| Equity capital | 3,818,000 | 3,787,000 | 3,947,000 | 4,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 631,000 | 1,213,000 | 1,799,000 | 2,385,000 |
| Interest expense | 201,000 | 396,000 | 571,000 | 736,000 |
| Net interest income | 430,000 | 817,000 | 1,228,000 | 1,649,000 |
| Noninterest income | 121,000 | 227,000 | 300,000 | 409,000 |
| Noninterest expense | 410,000 | 820,000 | 1,259,000 | 1,670,000 |
| Provision for loan losses | 85,000 | 131,000 | 177,000 | 223,000 |
| Pretax income | 100,000 | 139,000 | 138,000 | 211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 139,000 | 138,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,086,000 | 3,125,000 | 3,124,000 | 3,447,000 |
| Total capital | 3,438,000 | 3,482,000 | 3,474,000 | 3,805,000 |
| Risk-weighted assets | 28,132,000 | 28,507,000 | 27,969,000 | 28,579,000 |