Call reports 2017
FARMERS & TRADERS SAVINGS BANK — 2017
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 57,369,000 | 55,623,000 | 55,693,000 | 59,032,000 |
| Total loans | 38,589,000 | 39,215,000 | 39,751,000 | 41,674,000 |
| Allowance for loan losses | 690,000 | 700,000 | 701,000 | 699,000 |
| Securities available for sale | 17,070,000 | 14,350,000 | 14,350,000 | 15,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,870,000 | 43,052,000 | 41,715,000 | 43,530,000 |
| Interest-bearing deposits | 35,469,000 | 36,259,000 | 35,575,000 | 35,263,000 |
| Noninterest-bearing deposits | 6,401,000 | 6,793,000 | 6,140,000 | 8,268,000 |
| Equity capital | 5,743,000 | 5,912,000 | 5,916,000 | 5,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 491,000 | 1,017,000 | 1,546,000 | 2,082,000 |
| Interest expense | 85,000 | 190,000 | 296,000 | 409,000 |
| Net interest income | 406,000 | 827,000 | 1,250,000 | 1,673,000 |
| Noninterest income | 26,000 | 46,000 | 78,000 | 112,000 |
| Noninterest expense | 306,000 | 597,000 | 873,000 | 1,243,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 116,000 | 256,000 | 435,000 | 522,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 110,000 | 244,000 | 417,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,665,000 | 5,774,000 | 5,797,000 | 5,878,000 |
| Total capital | 6,186,000 | 6,299,000 | 6,309,000 | 6,396,000 |
| Risk-weighted assets | 41,562,000 | 41,795,000 | 40,782,000 | 41,225,000 |