Call reports 2004
FARMERS & TRADERS SAVINGS BANK — 2004
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 37,887,000 | 38,281,000 | 37,899,000 | 38,501,000 |
| Total loans | 24,897,000 | 25,731,000 | 25,633,000 | 24,153,000 |
| Allowance for loan losses | 575,000 | 565,000 | 579,000 | 586,000 |
| Securities available for sale | 10,811,000 | 10,419,000 | 10,423,000 | 11,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,987,000 | 30,334,000 | 29,765,000 | 30,340,000 |
| Interest-bearing deposits | 26,449,000 | 26,914,000 | 26,558,000 | 26,526,000 |
| Noninterest-bearing deposits | 3,538,000 | 3,420,000 | 3,207,000 | 3,814,000 |
| Equity capital | 4,256,000 | 4,197,000 | 4,316,000 | 4,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 486,000 | 984,000 | 1,482,000 | 1,997,000 |
| Interest expense | 183,000 | 359,000 | 537,000 | 717,000 |
| Net interest income | 303,000 | 625,000 | 945,000 | 1,280,000 |
| Noninterest income | 35,000 | 65,000 | 97,000 | 134,000 |
| Noninterest expense | 202,000 | 444,000 | 638,000 | 951,000 |
| Provision for loan losses | 8,000 | 14,000 | 26,000 | 30,000 |
| Pretax income | 128,000 | 232,000 | 378,000 | 433,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 19,000 |
| Net income | 122,000 | 219,000 | 359,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,034,000 | 4,131,000 | 4,221,000 | 4,276,000 |
| Total capital | 4,385,000 | 4,485,000 | 4,580,000 | 4,638,000 |
| Risk-weighted assets | 27,865,000 | 28,731,000 | 28,529,000 | 28,730,000 |