Call reports 2002
FARMERS & TRADERS SAVINGS BANK — 2002
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 36,628,000 | 36,962,000 | 36,928,000 | 36,892,000 |
| Total loans | 22,518,000 | 23,607,000 | 23,755,000 | 23,044,000 |
| Allowance for loan losses | 562,000 | 566,000 | 565,000 | 571,000 |
| Securities available for sale | 11,068,000 | 10,590,000 | 11,519,000 | 11,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,405,000 | 28,657,000 | 28,444,000 | 28,737,000 |
| Interest-bearing deposits | 25,788,000 | 26,354,000 | 25,896,000 | 25,825,000 |
| Noninterest-bearing deposits | 2,617,000 | 2,303,000 | 2,548,000 | 2,912,000 |
| Equity capital | 3,988,000 | 4,246,000 | 4,457,000 | 4,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 558,000 | 1,158,000 | 1,755,000 | 2,338,000 |
| Interest expense | 238,000 | 486,000 | 716,000 | 932,000 |
| Net interest income | 320,000 | 672,000 | 1,039,000 | 1,406,000 |
| Noninterest income | 22,000 | 46,000 | 77,000 | 105,000 |
| Noninterest expense | 187,000 | 416,000 | 675,000 | 1,071,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 150,000 | 289,000 | 422,000 | 442,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 144,000 | 277,000 | 404,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,735,000 | 3,870,000 | 3,995,000 | 4,011,000 |
| Total capital | 4,072,000 | 4,215,000 | 4,328,000 | 4,349,000 |
| Risk-weighted assets | 26,758,000 | 27,382,000 | 26,440,000 | 26,787,000 |