Call reports 2004
FARMERS BANK AND TRUST COMPANY — 2004
What FARMERS BANK AND 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 | 93,302,000 | 91,213,000 | 90,752,000 | 91,776,000 |
| Total loans | 41,917,000 | 42,206,000 | 43,416,000 | 43,900,000 |
| Allowance for loan losses | 819,000 | 857,000 | 901,000 | 750,000 |
| Securities available for sale | 27,996,000 | 37,696,000 | 35,888,000 | 29,444,000 |
| Securities held to maturity | 7,731,000 | 6,360,000 | 6,314,000 | 6,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,774,000 | 75,208,000 | 74,121,000 | 75,348,000 |
| Interest-bearing deposits | 64,330,000 | 63,072,000 | 62,259,000 | 63,026,000 |
| Noninterest-bearing deposits | 12,444,000 | 12,136,000 | 11,862,000 | 12,322,000 |
| Equity capital | 15,791,000 | 15,436,000 | 15,945,000 | 15,835,000 |
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 | 1,141,000 | 2,249,000 | 3,383,000 | 4,536,000 |
| Interest expense | 272,000 | 540,000 | 805,000 | 1,082,000 |
| Net interest income | 869,000 | 1,709,000 | 2,578,000 | 3,454,000 |
| Noninterest income | 233,000 | 454,000 | 666,000 | 862,000 |
| Noninterest expense | 673,000 | 1,317,000 | 1,950,000 | 2,616,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 30,000 |
| Pretax income | 395,000 | 767,000 | 1,170,000 | 1,681,000 |
| Income tax | 109,000 | 210,000 | 322,000 | 470,000 |
| Net income | 286,000 | 557,000 | 848,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,545,000 | 15,715,000 | 15,906,000 | 15,914,000 |
| Total capital | 16,124,000 | 16,295,000 | 16,492,000 | 16,509,000 |
| Risk-weighted assets | 46,106,000 | 46,107,000 | 46,551,000 | 47,421,000 |