Call reports 2016
TRADERS & FARMERS BANK — 2016
What TRADERS & FARMERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 371,479,000 | 377,561,000 | 377,895,000 | 371,463,000 |
| Total loans | 168,010,000 | 166,041,000 | 165,711,000 | 164,677,000 |
| Allowance for loan losses | 2,412,000 | 2,311,000 | 2,322,000 | 2,257,000 |
| Securities available for sale | 175,181,000 | 184,487,000 | 183,343,000 | 175,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,799,000 | 292,563,000 | 293,557,000 | 294,317,000 |
| Interest-bearing deposits | 230,253,000 | 233,683,000 | 233,683,000 | 234,599,000 |
| Noninterest-bearing deposits | 58,546,000 | 58,880,000 | 59,874,000 | 59,718,000 |
| Equity capital | 55,772,000 | 57,798,000 | 57,288,000 | 50,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,742,000 | 7,510,000 | 11,251,000 | 14,866,000 |
| Interest expense | 688,000 | 1,374,000 | 2,070,000 | 2,766,000 |
| Net interest income | 3,054,000 | 6,136,000 | 9,181,000 | 12,100,000 |
| Noninterest income | 61,000 | 412,000 | 772,000 | 738,000 |
| Noninterest expense | 2,424,000 | 4,887,000 | 7,255,000 | 9,744,000 |
| Provision for loan losses | 55,000 | 377,000 | 452,000 | 516,000 |
| Pretax income | 901,000 | 1,836,000 | 2,798,000 | 3,503,000 |
| Income tax | 158,000 | 347,000 | 522,000 | 629,000 |
| Net income | 743,000 | 1,489,000 | 2,276,000 | 2,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,419,000 | 56,056,000 | 56,044,000 | 56,520,000 |
| Total capital | 57,831,000 | 58,367,000 | 58,366,000 | 58,777,000 |
| Risk-weighted assets | 208,663,000 | 207,716,000 | 209,698,000 | 212,677,000 |