Call reports 2004
FARMERS BANK & TRUST COMPANY — 2004
What FARMERS BANK & TRUST COMPANY 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 | 104,895,000 | 107,585,000 | 109,389,000 | 109,913,000 |
| Total loans | 70,453,000 | 72,080,000 | 72,399,000 | 73,232,000 |
| Allowance for loan losses | 1,055,000 | 955,000 | 936,000 | 958,000 |
| Securities available for sale | 15,023,000 | 14,837,000 | 15,184,000 | 14,092,000 |
| Securities held to maturity | 11,127,000 | 11,018,000 | 12,114,000 | 12,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,496,000 | 84,432,000 | 85,616,000 | 86,843,000 |
| Interest-bearing deposits | 74,201,000 | 75,208,000 | 76,762,000 | 76,489,000 |
| Noninterest-bearing deposits | 8,295,000 | 9,224,000 | 8,854,000 | 10,354,000 |
| Equity capital | 12,941,000 | 12,426,000 | 12,984,000 | 12,793,000 |
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 | 1,589,000 | 3,159,000 | 4,813,000 | 6,413,000 |
| Interest expense | 514,000 | 1,011,000 | 1,515,000 | 2,037,000 |
| Net interest income | 1,075,000 | 2,148,000 | 3,298,000 | 4,376,000 |
| Noninterest income | 115,000 | 294,000 | 498,000 | 675,000 |
| Noninterest expense | 741,000 | 1,495,000 | 2,264,000 | 3,043,000 |
| Provision for loan losses | 90,000 | 480,000 | 540,000 | 710,000 |
| Pretax income | 417,000 | 525,000 | 1,050,000 | 1,356,000 |
| Income tax | 104,000 | 105,000 | 230,000 | 282,000 |
| Net income | 313,000 | 420,000 | 820,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,830,000 | 12,590,000 | 12,990,000 | 12,886,000 |
| Total capital | 13,705,000 | 13,494,000 | 13,911,000 | 13,812,000 |
| Risk-weighted assets | 69,857,000 | 72,301,000 | 73,683,000 | 74,072,000 |
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