Call reports 2003
FARMERS BANK AND TRUST COMPANY — 2003
What FARMERS BANK AND TRUST COMPANY 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 | 94,620,000 | 95,065,000 | 93,446,000 | 94,573,000 |
| Total loans | 42,348,000 | 43,447,000 | 44,115,000 | 43,352,000 |
| Allowance for loan losses | 764,000 | 757,000 | 756,000 | 750,000 |
| Securities available for sale | 25,573,000 | 36,385,000 | 35,924,000 | 37,306,000 |
| Securities held to maturity | 9,337,000 | 8,449,000 | 8,390,000 | 7,924,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,535,000 | 78,825,000 | 77,265,000 | 78,468,000 |
| Interest-bearing deposits | 66,427,000 | 65,882,000 | 65,656,000 | 64,591,000 |
| Noninterest-bearing deposits | 12,108,000 | 12,943,000 | 11,609,000 | 13,877,000 |
| Equity capital | 15,147,000 | 15,460,000 | 15,395,000 | 15,474,000 |
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 | 1,245,000 | 2,463,000 | 3,636,000 | 4,829,000 |
| Interest expense | 398,000 | 755,000 | 1,074,000 | 1,370,000 |
| Net interest income | 847,000 | 1,708,000 | 2,562,000 | 3,459,000 |
| Noninterest income | 189,000 | 443,000 | 664,000 | 906,000 |
| Noninterest expense | 636,000 | 1,263,000 | 1,898,000 | 2,527,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 190,000 |
| Pretax income | 484,000 | 927,000 | 1,322,000 | 1,777,000 |
| Income tax | 133,000 | 254,000 | 358,000 | 460,000 |
| Net income | 351,000 | 673,000 | 964,000 | 1,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,918,000 | 15,140,000 | 15,231,000 | 15,358,000 |
| Total capital | 15,504,000 | 15,738,000 | 15,832,000 | 15,954,000 |
| Risk-weighted assets | 46,713,000 | 47,709,000 | 47,958,000 | 47,519,000 |