Call reports 2016
FARMERS & TRADERS SAVINGS BANK — 2016
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 58,323,000 | 55,930,000 | 55,806,000 | 55,507,000 |
| Total loans | 37,341,000 | 36,308,000 | 37,353,000 | 36,391,000 |
| Allowance for loan losses | 662,000 | 663,000 | 663,000 | 679,000 |
| Securities available for sale | 19,389,000 | 17,222,000 | 16,922,000 | 17,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,470,000 | 43,562,000 | 44,962,000 | 43,781,000 |
| Interest-bearing deposits | 36,803,000 | 37,137,000 | 37,799,000 | 36,059,000 |
| Noninterest-bearing deposits | 7,667,000 | 6,425,000 | 7,163,000 | 7,722,000 |
| Equity capital | 5,752,000 | 5,938,000 | 5,963,000 | 5,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 967,000 | 1,453,000 | 1,929,000 |
| Interest expense | 69,000 | 150,000 | 233,000 | 313,000 |
| Net interest income | 412,000 | 817,000 | 1,220,000 | 1,616,000 |
| Noninterest income | 22,000 | 46,000 | 83,000 | 115,000 |
| Noninterest expense | 298,000 | 589,000 | 893,000 | 1,265,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 20,000 |
| Pretax income | 126,000 | 264,000 | 400,000 | 446,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 120,000 | 252,000 | 382,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,490,000 | 5,635,000 | 5,740,000 | 5,780,000 |
| Total capital | 6,008,000 | 6,150,000 | 6,249,000 | 6,228,000 |
| Risk-weighted assets | 41,268,000 | 41,058,000 | 40,573,000 | 35,594,000 |