Call reports 2002
FARMERS BANK OF WILLARDS, THE — 2002
What FARMERS BANK OF WILLARDS, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 128,646,000 | 131,431,000 | 133,708,000 | 142,508,000 |
| Total loans | 96,059,000 | 104,178,000 | 105,401,000 | 107,312,000 |
| Allowance for loan losses | 1,223,000 | 1,239,000 | 1,189,000 | 1,193,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,344,000 | 20,300,000 | 18,911,000 | 16,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,544,000 | 117,083,000 | 120,712,000 | 128,806,000 |
| Interest-bearing deposits | 102,852,000 | 102,667,000 | 106,290,000 | 112,804,000 |
| Noninterest-bearing deposits | 13,692,000 | 14,416,000 | 14,422,000 | 16,002,000 |
| Equity capital | 11,659,000 | 12,109,000 | 12,519,000 | 12,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,444,000 | 6,818,000 | 9,174,000 |
| Interest expense | 896,000 | 1,717,000 | 2,526,000 | 3,348,000 |
| Net interest income | 1,260,000 | 2,727,000 | 4,292,000 | 5,826,000 |
| Noninterest income | 96,000 | 199,000 | 305,000 | 422,000 |
| Noninterest expense | 827,000 | 1,591,000 | 2,399,000 | 3,400,000 |
| Provision for loan losses | 200,000 | 359,000 | 624,000 | 724,000 |
| Pretax income | 329,000 | 976,000 | 1,574,000 | 2,124,000 |
| Income tax | 102,000 | 299,000 | 487,000 | 650,000 |
| Net income | 227,000 | 677,000 | 1,087,000 | 1,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,659,000 | 12,109,000 | 12,519,000 | 12,538,000 |
| Total capital | 12,721,000 | 13,221,000 | 13,653,000 | 13,710,000 |
| Risk-weighted assets | 84,780,000 | 88,814,000 | 90,676,000 | 93,713,000 |