Call reports 2019
FARMERS & TRADERS SAVINGS BANK — 2019
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 57,521,000 | 54,843,000 | 55,655,000 | 58,040,000 |
| Total loans | 42,630,000 | 41,615,000 | 36,829,000 | 37,326,000 |
| Allowance for loan losses | 753,000 | 763,000 | 763,000 | 744,000 |
| Securities available for sale | 12,745,000 | 10,371,000 | 16,456,000 | 18,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,495,000 | 41,096,000 | 41,848,000 | 44,270,000 |
| Interest-bearing deposits | 36,973,000 | 35,701,000 | 36,342,000 | 36,454,000 |
| Noninterest-bearing deposits | 6,522,000 | 5,395,000 | 5,506,000 | 7,816,000 |
| Equity capital | 6,006,000 | 6,208,000 | 6,273,000 | 6,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 610,000 | 1,228,000 | 1,818,000 | 2,376,000 |
| Interest expense | 175,000 | 367,000 | 555,000 | 729,000 |
| Net interest income | 435,000 | 861,000 | 1,263,000 | 1,647,000 |
| Noninterest income | 24,000 | 49,000 | 82,000 | 109,000 |
| Noninterest expense | 299,000 | 606,000 | 915,000 | 1,306,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 0 |
| Pretax income | 150,000 | 284,000 | 410,000 | 450,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 26,000 |
| Net income | 143,000 | 271,000 | 390,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,971,000 | 6,099,000 | 6,168,000 | 6,152,000 |
| Total capital | 6,487,000 | 6,617,000 | 6,620,000 | 6,622,000 |
| Risk-weighted assets | 41,017,000 | 41,182,000 | 35,887,000 | 37,346,000 |