Call reports 2014
FARMERS & TRADERS SAVINGS BANK — 2014
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 54,683,000 | 53,387,000 | 54,161,000 | 54,913,000 |
| Total loans | 31,548,000 | 31,885,000 | 33,192,000 | 34,534,000 |
| Allowance for loan losses | 665,000 | 666,000 | 667,000 | 662,000 |
| Securities available for sale | 20,303,000 | 18,012,000 | 18,754,000 | 18,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,149,000 | 44,637,000 | 44,044,000 | 43,590,000 |
| Interest-bearing deposits | 38,852,000 | 37,352,000 | 37,047,000 | 35,587,000 |
| Noninterest-bearing deposits | 7,297,000 | 7,285,000 | 6,997,000 | 8,003,000 |
| Equity capital | 5,447,000 | 5,631,000 | 5,745,000 | 5,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 449,000 | 892,000 | 1,339,000 | 1,782,000 |
| Interest expense | 72,000 | 145,000 | 217,000 | 291,000 |
| Net interest income | 377,000 | 747,000 | 1,122,000 | 1,491,000 |
| Noninterest income | 33,000 | 63,000 | 96,000 | 128,000 |
| Noninterest expense | 282,000 | 545,000 | 840,000 | 1,212,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 128,000 | 265,000 | 378,000 | 397,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 122,000 | 253,000 | 360,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,212,000 | 5,343,000 | 5,450,000 | 5,465,000 |
| Total capital | 5,661,000 | 5,798,000 | 5,911,000 | 5,944,000 |
| Risk-weighted assets | 35,698,000 | 36,155,000 | 36,684,000 | 38,097,000 |