Call reports 2010
FARMERS & TRADERS SAVINGS BANK — 2010
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 51,046,000 | 51,326,000 | 52,539,000 | 53,180,000 |
| Total loans | 32,413,000 | 34,253,000 | 34,126,000 | 33,730,000 |
| Allowance for loan losses | 633,000 | 646,000 | 661,000 | 662,000 |
| Securities available for sale | 16,934,000 | 15,901,000 | 16,820,000 | 18,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,540,000 | 36,520,000 | 36,961,000 | 36,120,000 |
| Interest-bearing deposits | 30,994,000 | 31,296,000 | 31,716,000 | 30,536,000 |
| Noninterest-bearing deposits | 5,546,000 | 5,224,000 | 5,245,000 | 5,584,000 |
| Equity capital | 4,858,000 | 5,062,000 | 5,246,000 | 5,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,191,000 | 1,785,000 | 2,360,000 |
| Interest expense | 176,000 | 342,000 | 508,000 | 669,000 |
| Net interest income | 420,000 | 849,000 | 1,277,000 | 1,691,000 |
| Noninterest income | 49,000 | 90,000 | 136,000 | 176,000 |
| Noninterest expense | 291,000 | 560,000 | 884,000 | 1,302,000 |
| Provision for loan losses | 15,000 | 27,000 | 42,000 | 42,000 |
| Pretax income | 163,000 | 352,000 | 487,000 | 523,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 22,000 |
| Net income | 156,000 | 337,000 | 464,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,619,000 | 4,800,000 | 4,877,000 | 4,914,000 |
| Total capital | 5,048,000 | 5,243,000 | 5,324,000 | 5,365,000 |
| Risk-weighted assets | 34,103,000 | 35,226,000 | 35,741,000 | 35,900,000 |