Call reports 2021
FARMERS & TRADERS SAVINGS BANK — 2021
What FARMERS & TRADERS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 65,420,000 | 65,211,000 | 66,912,000 | 72,907,000 |
| Total loans | 36,800,000 | 31,953,000 | 29,865,000 | 30,411,000 |
| Allowance for loan losses | 766,000 | 766,000 | 766,000 | 766,000 |
| Securities available for sale | 25,109,000 | 29,048,000 | 33,046,000 | 33,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,067,000 | 53,216,000 | 55,571,000 | 62,744,000 |
| Interest-bearing deposits | 43,417,000 | 45,097,000 | 45,547,000 | 53,099,000 |
| Noninterest-bearing deposits | 9,650,000 | 8,119,000 | 10,023,000 | 9,644,000 |
| Equity capital | 6,466,000 | 6,444,000 | 6,481,000 | 5,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,000,000 | 1,453,000 | 1,871,000 |
| Interest expense | 104,000 | 200,000 | 293,000 | 385,000 |
| Net interest income | 404,000 | 800,000 | 1,160,000 | 1,486,000 |
| Noninterest income | 14,000 | 37,000 | 67,000 | 97,000 |
| Noninterest expense | 280,000 | 590,000 | 910,000 | 1,335,000 |
| Provision for loan losses | 0 | 0 | 0 | -14,000 |
| Pretax income | 138,000 | 247,000 | 317,000 | 262,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 28,000 |
| Net income | 132,000 | 235,000 | 299,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,291,000 | 6,294,000 | 6,358,000 | 5,345,000 |
| Total capital | 6,714,000 | 6,696,000 | 6,738,000 | 5,808,000 |
| Risk-weighted assets | 33,519,000 | 31,735,000 | 29,948,000 | 36,751,000 |