Call reports 2009
TRADERS & FARMERS BANK — 2009
What TRADERS & FARMERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 356,606,000 | 356,197,000 | 354,448,000 | 354,474,000 |
| Total loans | 190,171,000 | 188,720,000 | 188,784,000 | 192,188,000 |
| Allowance for loan losses | 2,217,000 | 2,214,000 | 2,206,000 | 2,266,000 |
| Securities available for sale | 131,683,000 | 136,106,000 | 135,778,000 | 127,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,675,000 | 286,625,000 | 281,307,000 | 282,693,000 |
| Interest-bearing deposits | 245,540,000 | 246,096,000 | 242,069,000 | 242,424,000 |
| Noninterest-bearing deposits | 41,135,000 | 40,529,000 | 39,238,000 | 40,269,000 |
| Equity capital | 39,619,000 | 39,195,000 | 42,055,000 | 41,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,171,000 | 10,278,000 | 15,518,000 | 20,595,000 |
| Interest expense | 2,002,000 | 3,916,000 | 5,743,000 | 7,453,000 |
| Net interest income | 3,169,000 | 6,362,000 | 9,775,000 | 13,142,000 |
| Noninterest income | 467,000 | 885,000 | 1,311,000 | 1,820,000 |
| Noninterest expense | 2,324,000 | 4,887,000 | 7,316,000 | 9,701,000 |
| Provision for loan losses | 62,000 | 140,000 | 280,000 | 381,000 |
| Pretax income | 1,250,000 | 2,220,000 | 3,415,000 | 4,937,000 |
| Income tax | 381,000 | 688,000 | 1,069,000 | 1,538,000 |
| Net income | 869,000 | 1,532,000 | 2,346,000 | 3,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,100,000 | 40,472,000 | 41,080,000 | 42,016,000 |
| Total capital | 42,317,000 | 42,686,000 | 43,286,000 | 44,282,000 |
| Risk-weighted assets | 260,717,000 | 266,479,000 | 264,681,000 | 268,111,000 |