Call reports 2004
TRADERS & FARMERS BANK — 2004
What TRADERS & FARMERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 325,860,000 | 325,322,000 | 333,150,000 | 338,479,000 |
| Total loans | 152,462,000 | 153,546,000 | 155,578,000 | 158,566,000 |
| Allowance for loan losses | 2,574,000 | 2,672,000 | 2,692,000 | 2,709,000 |
| Securities available for sale | 153,901,000 | 152,686,000 | 157,792,000 | 158,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,095,000 | 260,886,000 | 259,902,000 | 260,285,000 |
| Interest-bearing deposits | 227,480,000 | 225,490,000 | 223,870,000 | 226,148,000 |
| Noninterest-bearing deposits | 34,615,000 | 35,396,000 | 36,032,000 | 34,137,000 |
| Equity capital | 41,332,000 | 38,340,000 | 41,856,000 | 41,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,922,000 | 9,705,000 | 14,627,000 | 19,574,000 |
| Interest expense | 1,427,000 | 2,822,000 | 4,245,000 | 5,770,000 |
| Net interest income | 3,495,000 | 6,883,000 | 10,382,000 | 13,804,000 |
| Noninterest income | 379,000 | 800,000 | 1,238,000 | 1,717,000 |
| Noninterest expense | 2,100,000 | 4,307,000 | 6,558,000 | 8,914,000 |
| Provision for loan losses | 63,000 | 345,000 | 407,000 | 607,000 |
| Pretax income | 1,796,000 | 3,171,000 | 4,838,000 | 6,086,000 |
| Income tax | 596,000 | 1,062,000 | 1,629,000 | 2,073,000 |
| Net income | 1,200,000 | 2,109,000 | 3,209,000 | 4,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,208,000 | 40,056,000 | 40,868,000 | 41,474,000 |
| Total capital | 41,589,000 | 42,498,000 | 43,341,000 | 43,969,000 |
| Risk-weighted assets | 190,340,000 | 195,131,000 | 197,585,000 | 199,360,000 |