Call reports 2011
FARMERS & TRADERS SAVINGS BANK — 2011
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 54,985,000 | 54,242,000 | 55,059,000 | 53,704,000 |
| Total loans | 32,955,000 | 34,235,000 | 34,259,000 | 33,406,000 |
| Allowance for loan losses | 664,000 | 684,000 | 665,000 | 665,000 |
| Securities available for sale | 18,712,000 | 18,062,000 | 18,537,000 | 18,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,160,000 | 40,051,000 | 39,219,000 | 40,193,000 |
| Interest-bearing deposits | 32,539,000 | 33,779,000 | 33,800,000 | 34,051,000 |
| Noninterest-bearing deposits | 7,621,000 | 6,273,000 | 5,419,000 | 6,142,000 |
| Equity capital | 4,944,000 | 5,222,000 | 5,430,000 | 5,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,099,000 | 1,657,000 | 2,203,000 |
| Interest expense | 153,000 | 297,000 | 431,000 | 560,000 |
| Net interest income | 392,000 | 802,000 | 1,226,000 | 1,643,000 |
| Noninterest income | 43,000 | 85,000 | 124,000 | 156,000 |
| Noninterest expense | 288,000 | 577,000 | 889,000 | 1,241,000 |
| Provision for loan losses | 10,000 | 30,000 | 110,000 | 110,000 |
| Pretax income | 137,000 | 280,000 | 351,000 | 448,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 17,000 |
| Net income | 130,000 | 265,000 | 328,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,744,000 | 4,879,000 | 4,942,000 | 5,045,000 |
| Total capital | 5,168,000 | 5,309,000 | 5,387,000 | 5,476,000 |
| Risk-weighted assets | 33,694,000 | 34,183,000 | 34,869,000 | 34,252,000 |