Call reports 2015
TRADERS & FARMERS BANK — 2015
What TRADERS & FARMERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 363,910,000 | 363,892,000 | 362,987,000 | 365,670,000 |
| Total loans | 165,824,000 | 167,308,000 | 169,240,000 | 168,265,000 |
| Allowance for loan losses | 2,417,000 | 2,436,000 | 2,459,000 | 2,400,000 |
| Securities available for sale | 167,932,000 | 165,341,000 | 167,949,000 | 167,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,110,000 | 284,604,000 | 282,702,000 | 284,014,000 |
| Interest-bearing deposits | 227,490,000 | 228,202,000 | 226,321,000 | 230,424,000 |
| Noninterest-bearing deposits | 54,620,000 | 56,402,000 | 56,381,000 | 53,590,000 |
| Equity capital | 52,744,000 | 50,271,000 | 53,130,000 | 54,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,794,000 | 7,640,000 | 11,498,000 | 15,297,000 |
| Interest expense | 731,000 | 1,466,000 | 2,198,000 | 2,907,000 |
| Net interest income | 3,063,000 | 6,174,000 | 9,300,000 | 12,390,000 |
| Noninterest income | 396,000 | 754,000 | 1,071,000 | 1,506,000 |
| Noninterest expense | 2,298,000 | 4,652,000 | 7,043,000 | 9,588,000 |
| Provision for loan losses | 69,000 | 119,000 | 149,000 | 224,000 |
| Pretax income | 1,103,000 | 2,173,000 | 3,193,000 | 4,094,000 |
| Income tax | 217,000 | 426,000 | 634,000 | 799,000 |
| Net income | 886,000 | 1,747,000 | 2,559,000 | 3,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,638,000 | 53,864,000 | 54,548,000 | 55,146,000 |
| Total capital | 56,055,000 | 56,300,000 | 57,006,000 | 57,546,000 |
| Risk-weighted assets | 203,083,000 | 206,218,000 | 216,272,000 | 214,198,000 |