Call reports 2008
TRADERS & FARMERS BANK — 2008
What TRADERS & FARMERS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 367,336,000 | 363,920,000 | 359,032,000 | 355,981,000 |
| Total loans | 187,352,000 | 189,410,000 | 193,913,000 | 189,637,000 |
| Allowance for loan losses | 2,694,000 | 2,566,000 | 2,519,000 | 2,445,000 |
| Securities available for sale | 143,647,000 | 142,612,000 | 133,998,000 | 131,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,432,000 | 295,089,000 | 285,090,000 | 284,883,000 |
| Interest-bearing deposits | 255,850,000 | 253,562,000 | 243,212,000 | 246,250,000 |
| Noninterest-bearing deposits | 40,582,000 | 41,527,000 | 41,878,000 | 38,633,000 |
| Equity capital | 40,270,000 | 38,271,000 | 37,484,000 | 40,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,501,000 | 11,015,000 | 16,458,000 | 21,788,000 |
| Interest expense | 2,576,000 | 4,974,000 | 7,194,000 | 9,373,000 |
| Net interest income | 2,925,000 | 6,041,000 | 9,264,000 | 12,415,000 |
| Noninterest income | 479,000 | 1,053,000 | 1,597,000 | 2,114,000 |
| Noninterest expense | 2,303,000 | 4,698,000 | 7,047,000 | 9,469,000 |
| Provision for loan losses | 1,000 | -18,000 | 13,000 | 118,000 |
| Pretax income | 1,172,000 | 2,486,000 | 3,914,000 | 5,175,000 |
| Income tax | 308,000 | 670,000 | 1,071,000 | 1,416,000 |
| Net income | 864,000 | 1,816,000 | 2,843,000 | 3,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,728,000 | 39,585,000 | 39,513,000 | 40,287,000 |
| Total capital | 42,422,000 | 42,151,000 | 42,032,000 | 42,732,000 |
| Risk-weighted assets | 262,069,000 | 268,420,000 | 268,647,000 | 259,036,000 |