Call reports 2003
FARMERS BANK OF LOHMAN — 2003
What FARMERS BANK OF LOHMAN 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 | 42,393,000 | 42,924,000 | 43,241,000 | 43,824,000 |
| Total loans | 14,620,000 | 14,204,000 | 14,165,000 | 14,803,000 |
| Allowance for loan losses | 216,000 | 215,000 | 211,000 | 215,000 |
| Securities available for sale | 23,870,000 | 24,388,000 | 24,315,000 | 24,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,582,000 | 35,888,000 | 36,374,000 | 37,113,000 |
| Interest-bearing deposits | 31,547,000 | 31,814,000 | 32,214,000 | 32,841,000 |
| Noninterest-bearing deposits | 4,035,000 | 4,074,000 | 4,160,000 | 4,272,000 |
| Equity capital | 6,342,000 | 6,566,000 | 6,500,000 | 6,407,000 |
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 | 504,000 | 993,000 | 1,468,000 | 1,938,000 |
| Interest expense | 134,000 | 262,000 | 380,000 | 490,000 |
| Net interest income | 370,000 | 731,000 | 1,088,000 | 1,448,000 |
| Noninterest income | 30,000 | 55,000 | 82,000 | 108,000 |
| Noninterest expense | 236,000 | 443,000 | 659,000 | 903,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 159,000 | 339,000 | 507,000 | 649,000 |
| Income tax | 43,000 | 98,000 | 149,000 | 188,000 |
| Net income | 116,000 | 241,000 | 358,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,901,000 | 6,027,000 | 6,144,000 | 6,133,000 |
| Total capital | 6,110,000 | 6,231,000 | 6,355,000 | 6,347,000 |
| Risk-weighted assets | 16,719,000 | 16,268,000 | 17,122,000 | 17,145,000 |