Call reports 2016
FARMERS & TRADERS BANK OF CAMPTON — 2016
What FARMERS & TRADERS BANK OF CAMPTON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 50,272,000 | 50,543,000 | 50,270,000 | 48,201,000 |
| Total loans | 20,730,000 | 21,191,000 | 21,144,000 | 20,655,000 |
| Allowance for loan losses | 295,000 | 279,000 | 292,000 | 290,000 |
| Securities available for sale | 24,235,000 | 23,895,000 | 23,169,000 | 21,715,000 |
| Securities held to maturity | 850,000 | 850,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,965,000 | 42,781,000 | 41,894,000 | 40,475,000 |
| Interest-bearing deposits | 33,463,000 | 32,241,000 | 30,958,000 | 30,064,000 |
| Noninterest-bearing deposits | 10,502,000 | 10,540,000 | 10,936,000 | 10,411,000 |
| Equity capital | 5,457,000 | 5,802,000 | 5,730,000 | 5,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 459,000 | 939,000 | 1,405,000 | 1,873,000 |
| Interest expense | 53,000 | 106,000 | 156,000 | 207,000 |
| Net interest income | 406,000 | 833,000 | 1,249,000 | 1,666,000 |
| Noninterest income | 85,000 | 170,000 | 265,000 | 297,000 |
| Noninterest expense | 412,000 | 804,000 | 1,214,000 | 1,558,000 |
| Provision for loan losses | 23,000 | 45,000 | 69,000 | 108,000 |
| Pretax income | 56,000 | 207,000 | 284,000 | 389,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 56,000 | 207,000 | 284,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,518,000 | 4,609,000 | 4,622,000 | 4,691,000 |
| Total capital | 4,816,000 | 4,891,000 | 4,917,000 | 4,981,000 |
| Risk-weighted assets | 26,791,000 | 27,190,000 | 26,504,000 | 25,772,000 |