Call reports 2013
FARMERS & TRADERS SAVINGS BANK — 2013
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 58,403,000 | 58,337,000 | 60,362,000 | 57,597,000 |
| Total loans | 30,926,000 | 31,544,000 | 31,440,000 | 34,543,000 |
| Allowance for loan losses | 692,000 | 684,000 | 684,000 | 665,000 |
| Securities available for sale | 22,543,000 | 22,394,000 | 23,081,000 | 20,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,664,000 | 46,282,000 | 48,494,000 | 46,139,000 |
| Interest-bearing deposits | 40,360,000 | 40,269,000 | 40,585,000 | 37,561,000 |
| Noninterest-bearing deposits | 6,304,000 | 6,013,000 | 7,909,000 | 8,578,000 |
| Equity capital | 5,455,000 | 5,361,000 | 5,532,000 | 5,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 912,000 | 1,369,000 | 1,831,000 |
| Interest expense | 95,000 | 185,000 | 277,000 | 357,000 |
| Net interest income | 365,000 | 727,000 | 1,092,000 | 1,474,000 |
| Noninterest income | 32,000 | 106,000 | 143,000 | 174,000 |
| Noninterest expense | 263,000 | 538,000 | 817,000 | 1,193,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 134,000 | 295,000 | 418,000 | 455,000 |
| Income tax | 8,000 | 17,000 | 24,000 | 23,000 |
| Net income | 126,000 | 278,000 | 394,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,034,000 | 5,186,000 | 5,302,000 | 5,340,000 |
| Total capital | 5,493,000 | 5,642,000 | 5,768,000 | 5,818,000 |
| Risk-weighted assets | 36,507,000 | 36,416,000 | 37,066,000 | 38,050,000 |