Call reports 2004
FARMERS TRUST AND SAVINGS BANK — 2004
What FARMERS TRUST AND SAVINGS BANK 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 | 182,745,000 | 191,162,000 | 199,095,000 | 202,528,000 |
| Total loans | 141,181,000 | 149,745,000 | 154,272,000 | 157,925,000 |
| Allowance for loan losses | 1,759,000 | 1,841,000 | 1,967,000 | 1,986,000 |
| Securities available for sale | 35,490,000 | 35,273,000 | 37,648,000 | 37,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,946,000 | 145,103,000 | 158,314,000 | 165,211,000 |
| Interest-bearing deposits | 133,322,000 | 131,888,000 | 143,734,000 | 147,587,000 |
| Noninterest-bearing deposits | 12,624,000 | 13,215,000 | 14,580,000 | 17,624,000 |
| Equity capital | 14,093,000 | 14,243,000 | 14,787,000 | 14,926,000 |
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 | 2,271,000 | 4,650,000 | 7,212,000 | 9,887,000 |
| Interest expense | 677,000 | 1,367,000 | 2,150,000 | 3,023,000 |
| Net interest income | 1,594,000 | 3,283,000 | 5,062,000 | 6,864,000 |
| Noninterest income | 188,000 | 399,000 | 585,000 | 791,000 |
| Noninterest expense | 887,000 | 1,746,000 | 2,650,000 | 3,623,000 |
| Provision for loan losses | 290,000 | 387,000 | 519,000 | 549,000 |
| Pretax income | 605,000 | 1,549,000 | 2,478,000 | 3,483,000 |
| Income tax | 30,000 | 77,000 | 124,000 | 174,000 |
| Net income | 575,000 | 1,472,000 | 2,354,000 | 3,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,415,000 | 14,027,000 | 14,448,000 | 14,798,000 |
| Total capital | 15,174,000 | 15,868,000 | 16,415,000 | 16,784,000 |
| Risk-weighted assets | 146,366,000 | 154,860,000 | 159,146,000 | 161,568,000 |
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