Call reports 2008
FARMERS & TRADERS SAVINGS BANK — 2008
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 43,491,000 | 44,429,000 | 47,051,000 | 47,967,000 |
| Total loans | 29,261,000 | 29,635,000 | 30,985,000 | 31,637,000 |
| Allowance for loan losses | 625,000 | 625,000 | 625,000 | 626,000 |
| Securities available for sale | 12,287,000 | 12,900,000 | 13,453,000 | 14,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,001,000 | 36,155,000 | 37,177,000 | 34,367,000 |
| Interest-bearing deposits | 31,081,000 | 31,720,000 | 32,699,000 | 29,765,000 |
| Noninterest-bearing deposits | 3,920,000 | 4,435,000 | 4,478,000 | 4,602,000 |
| Equity capital | 4,565,000 | 4,480,000 | 4,572,000 | 4,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,283,000 | 1,932,000 | 2,565,000 |
| Interest expense | 287,000 | 541,000 | 788,000 | 1,038,000 |
| Net interest income | 372,000 | 742,000 | 1,144,000 | 1,527,000 |
| Noninterest income | 41,000 | 76,000 | 124,000 | 160,000 |
| Noninterest expense | 244,000 | 537,000 | 771,000 | 1,180,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 169,000 | 315,000 | 531,000 | 541,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 25,000 |
| Net income | 162,000 | 301,000 | 510,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,295,000 | 4,434,000 | 4,533,000 | 4,540,000 |
| Total capital | 4,702,000 | 4,850,000 | 4,959,000 | 4,953,000 |
| Risk-weighted assets | 32,308,000 | 33,107,000 | 33,913,000 | 32,847,000 |