Call reports 2003
FARMERS TRUST AND SAVINGS BANK — 2003
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 172,954,000 | 168,807,000 | 170,454,000 | 177,501,000 |
| Total loans | 122,916,000 | 123,760,000 | 126,406,000 | 134,642,000 |
| Allowance for loan losses | 1,648,000 | 1,713,000 | 1,776,000 | 1,798,000 |
| Securities available for sale | 43,242,000 | 38,493,000 | 37,576,000 | 36,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,009,000 | 145,940,000 | 142,011,000 | 148,048,000 |
| Interest-bearing deposits | 131,328,000 | 130,597,000 | 128,602,000 | 132,958,000 |
| Noninterest-bearing deposits | 12,681,000 | 15,343,000 | 13,409,000 | 15,090,000 |
| Equity capital | 13,207,000 | 13,783,000 | 13,779,000 | 14,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,394,000 | 4,699,000 | 7,014,000 | 9,268,000 |
| Interest expense | 842,000 | 1,637,000 | 2,362,000 | 3,057,000 |
| Net interest income | 1,552,000 | 3,062,000 | 4,652,000 | 6,211,000 |
| Noninterest income | 252,000 | 492,000 | 738,000 | 920,000 |
| Noninterest expense | 856,000 | 1,691,000 | 2,543,000 | 3,411,000 |
| Provision for loan losses | 140,000 | 215,000 | 285,000 | 535,000 |
| Pretax income | 808,000 | 1,648,000 | 2,562,000 | 3,185,000 |
| Income tax | 40,000 | 82,000 | 128,000 | 149,000 |
| Net income | 768,000 | 1,566,000 | 2,434,000 | 3,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,637,000 | 12,895,000 | 13,216,000 | 13,590,000 |
| Total capital | 14,285,000 | 14,511,000 | 14,907,000 | 15,352,000 |
| Risk-weighted assets | 131,802,000 | 129,185,000 | 135,165,000 | 140,808,000 |
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