Call reports 2012
FARMERS & TRADERS SAVINGS BANK — 2012
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 58,121,000 | 55,834,000 | 57,783,000 | 59,544,000 |
| Total loans | 32,947,000 | 33,218,000 | 32,796,000 | 34,186,000 |
| Allowance for loan losses | 646,000 | 691,000 | 692,000 | 692,000 |
| Securities available for sale | 17,881,000 | 17,503,000 | 18,096,000 | 18,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,999,000 | 43,550,000 | 45,354,000 | 47,711,000 |
| Interest-bearing deposits | 37,707,000 | 37,424,000 | 37,803,000 | 38,905,000 |
| Noninterest-bearing deposits | 8,292,000 | 6,126,000 | 7,551,000 | 8,806,000 |
| Equity capital | 5,292,000 | 5,431,000 | 5,575,000 | 5,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 1,037,000 | 1,544,000 | 2,038,000 |
| Interest expense | 122,000 | 235,000 | 346,000 | 449,000 |
| Net interest income | 401,000 | 802,000 | 1,198,000 | 1,589,000 |
| Noninterest income | 34,000 | 58,000 | 91,000 | 123,000 |
| Noninterest expense | 320,000 | 623,000 | 907,000 | 1,250,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 100,000 | 212,000 | 357,000 | 437,000 |
| Income tax | 5,000 | 13,000 | 20,000 | 24,000 |
| Net income | 95,000 | 199,000 | 337,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,840,000 | 4,944,000 | 5,082,000 | 5,058,000 |
| Total capital | 5,261,000 | 5,392,000 | 5,528,000 | 5,523,000 |
| Risk-weighted assets | 35,388,000 | 35,574,000 | 35,465,000 | 37,207,000 |