Call reports 2014
FARMERS & TRADERS BANK OF CAMPTON — 2014
What FARMERS & TRADERS BANK OF CAMPTON reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 47,079,000 | 48,179,000 | 46,759,000 | 46,321,000 |
| Total loans | 22,210,000 | 22,302,000 | 22,430,000 | 21,774,000 |
| Allowance for loan losses | 486,000 | 441,000 | 419,000 | 360,000 |
| Securities available for sale | 19,542,000 | 20,057,000 | 18,318,000 | 19,096,000 |
| Securities held to maturity | 850,000 | 850,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,080,000 | 38,787,000 | 40,475,000 | 39,114,000 |
| Interest-bearing deposits | 30,226,000 | 29,665,000 | 23,551,000 | 30,291,000 |
| Noninterest-bearing deposits | 9,854,000 | 9,122,000 | 16,924,000 | 8,823,000 |
| Equity capital | 4,765,000 | 5,135,000 | 5,109,000 | 5,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 468,000 | 941,000 | 1,421,000 | 1,895,000 |
| Interest expense | 44,000 | 89,000 | 135,000 | 182,000 |
| Net interest income | 424,000 | 852,000 | 1,286,000 | 1,713,000 |
| Noninterest income | 99,000 | 199,000 | 324,000 | 444,000 |
| Noninterest expense | 442,000 | 892,000 | 1,342,000 | 1,770,000 |
| Provision for loan losses | 15,000 | 30,000 | 62,000 | 100,000 |
| Pretax income | 66,000 | 129,000 | 214,000 | 295,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 66,000 | 129,000 | 214,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,397,000 | 4,460,000 | 4,452,000 | 4,480,000 |
| Total capital | 4,706,000 | 4,772,000 | 4,761,000 | 4,783,000 |
| Risk-weighted assets | 24,556,000 | 24,867,000 | 24,635,000 | 24,188,000 |