Call reports 2009
FARMERS & TRADERS SAVINGS BANK — 2009
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 47,810,000 | 49,309,000 | 50,633,000 | 50,485,000 |
| Total loans | 30,479,000 | 31,228,000 | 33,190,000 | 32,798,000 |
| Allowance for loan losses | 610,000 | 612,000 | 608,000 | 618,000 |
| Securities available for sale | 15,696,000 | 15,429,000 | 15,994,000 | 16,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,542,000 | 34,964,000 | 34,606,000 | 35,753,000 |
| Interest-bearing deposits | 29,312,000 | 30,482,000 | 30,476,000 | 29,564,000 |
| Noninterest-bearing deposits | 4,230,000 | 4,482,000 | 4,130,000 | 6,189,000 |
| Equity capital | 4,640,000 | 4,698,000 | 4,936,000 | 4,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 607,000 | 1,210,000 | 1,819,000 | 2,435,000 |
| Interest expense | 226,000 | 439,000 | 643,000 | 834,000 |
| Net interest income | 381,000 | 771,000 | 1,176,000 | 1,601,000 |
| Noninterest income | 47,000 | 84,000 | 188,000 | 246,000 |
| Noninterest expense | 253,000 | 547,000 | 911,000 | 1,290,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 175,000 | 308,000 | 460,000 | 554,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 30,000 |
| Net income | 167,000 | 291,000 | 434,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,356,000 | 4,480,000 | 4,623,000 | 4,713,000 |
| Total capital | 4,760,000 | 4,907,000 | 5,062,000 | 5,144,000 |
| Risk-weighted assets | 32,083,000 | 33,940,000 | 34,975,000 | 34,454,000 |