Call reports 2015
FARMERS & TRADERS SAVINGS BANK — 2015
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 52,355,000 | 52,642,000 | 55,104,000 | 56,804,000 |
| Total loans | 33,127,000 | 32,433,000 | 35,668,000 | 35,611,000 |
| Allowance for loan losses | 662,000 | 662,000 | 672,000 | 672,000 |
| Securities available for sale | 17,791,000 | 16,542,000 | 17,651,000 | 19,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,478,000 | 44,459,000 | 46,089,000 | 47,635,000 |
| Interest-bearing deposits | 37,315,000 | 37,010,000 | 37,819,000 | 37,576,000 |
| Noninterest-bearing deposits | 6,163,000 | 7,449,000 | 8,270,000 | 10,059,000 |
| Equity capital | 5,656,000 | 5,627,000 | 5,798,000 | 5,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 878,000 | 1,325,000 | 1,785,000 |
| Interest expense | 74,000 | 144,000 | 213,000 | 277,000 |
| Net interest income | 370,000 | 734,000 | 1,112,000 | 1,508,000 |
| Noninterest income | 21,000 | 46,000 | 85,000 | 116,000 |
| Noninterest expense | 288,000 | 569,000 | 833,000 | 1,222,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 103,000 | 211,000 | 354,000 | 392,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 97,000 | 199,000 | 336,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,362,000 | 5,455,000 | 5,564,000 | 5,598,000 |
| Total capital | 5,814,000 | 5,936,000 | 6,069,000 | 6,110,000 |
| Risk-weighted assets | 35,997,000 | 38,322,000 | 40,202,000 | 40,779,000 |