Call reports 2018
FARMERS & TRADERS SAVINGS BANK — 2018
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 57,611,000 | 55,128,000 | 56,124,000 | 57,025,000 |
| Total loans | 41,206,000 | 40,707,000 | 42,043,000 | 41,968,000 |
| Allowance for loan losses | 712,000 | 723,000 | 734,000 | 744,000 |
| Securities available for sale | 14,995,000 | 12,210,000 | 12,010,000 | 12,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,316,000 | 41,004,000 | 40,478,000 | 42,941,000 |
| Interest-bearing deposits | 35,764,000 | 35,364,000 | 34,228,000 | 36,301,000 |
| Noninterest-bearing deposits | 6,552,000 | 5,640,000 | 6,250,000 | 6,640,000 |
| Equity capital | 5,759,000 | 5,888,000 | 5,939,000 | 6,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 560,000 | 1,125,000 | 1,702,000 | 2,300,000 |
| Interest expense | 133,000 | 274,000 | 424,000 | 591,000 |
| Net interest income | 427,000 | 851,000 | 1,278,000 | 1,709,000 |
| Noninterest income | 22,000 | 45,000 | 77,000 | 104,000 |
| Noninterest expense | 294,000 | 605,000 | 912,000 | 1,322,000 |
| Provision for loan losses | 10,000 | 20,000 | 30,000 | 40,000 |
| Pretax income | 145,000 | 271,000 | 413,000 | 451,000 |
| Income tax | 6,000 | 14,000 | 20,000 | 26,000 |
| Net income | 139,000 | 257,000 | 393,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,817,000 | 5,841,000 | 5,857,000 | 5,995,000 |
| Total capital | 6,316,000 | 6,346,000 | 6,368,000 | 6,511,000 |
| Risk-weighted assets | 39,674,000 | 40,167,000 | 40,713,000 | 41,087,000 |