Call reports 2020
FARMERS & TRADERS SAVINGS BANK — 2020
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 58,872,000 | 59,071,000 | 63,313,000 | 64,185,000 |
| Total loans | 39,056,000 | 39,278,000 | 38,488,000 | 37,040,000 |
| Allowance for loan losses | 746,000 | 766,000 | 766,000 | 766,000 |
| Securities available for sale | 17,885,000 | 17,377,000 | 21,080,000 | 24,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,244,000 | 44,725,000 | 49,275,000 | 50,209,000 |
| Interest-bearing deposits | 37,208,000 | 38,301,000 | 40,875,000 | 40,106,000 |
| Noninterest-bearing deposits | 6,036,000 | 6,424,000 | 8,400,000 | 10,103,000 |
| Equity capital | 6,190,000 | 6,556,000 | 6,635,000 | 6,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 567,000 | 1,144,000 | 1,658,000 | 2,146,000 |
| Interest expense | 163,000 | 310,000 | 439,000 | 560,000 |
| Net interest income | 404,000 | 834,000 | 1,219,000 | 1,586,000 |
| Noninterest income | 21,000 | 37,000 | 77,000 | 132,000 |
| Noninterest expense | 296,000 | 589,000 | 909,000 | 1,268,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 129,000 | 284,000 | 389,000 | 430,000 |
| Income tax | 6,000 | 12,000 | 19,000 | 23,000 |
| Net income | 123,000 | 272,000 | 370,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,075,000 | 6,224,000 | 6,322,000 | 6,359,000 |
| Total capital | 6,543,000 | 6,688,000 | 6,805,000 | 6,819,000 |
| Risk-weighted assets | 37,149,000 | 36,805,000 | 38,351,000 | 36,478,000 |