Call reports 2003
FARMERS TRUST AND SAVINGS BANK — 2003
What FARMERS TRUST AND SAVINGS BANK 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 | 89,122,000 | 91,811,000 | 89,522,000 | 92,576,000 |
| Total loans | 55,904,000 | 57,090,000 | 57,554,000 | 56,494,000 |
| Allowance for loan losses | 658,000 | 658,000 | 660,000 | 704,000 |
| Securities available for sale | 27,207,000 | 29,259,000 | 26,749,000 | 30,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,479,000 | 62,464,000 | 60,203,000 | 64,858,000 |
| Interest-bearing deposits | 53,071,000 | 51,992,000 | 50,170,000 | 52,533,000 |
| Noninterest-bearing deposits | 9,408,000 | 10,472,000 | 10,033,000 | 12,325,000 |
| Equity capital | 12,029,000 | 12,496,000 | 12,484,000 | 12,750,000 |
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 | 1,254,000 | 2,469,000 | 3,684,000 | 4,901,000 |
| Interest expense | 460,000 | 887,000 | 1,292,000 | 1,681,000 |
| Net interest income | 794,000 | 1,582,000 | 2,392,000 | 3,220,000 |
| Noninterest income | 133,000 | 258,000 | 423,000 | 584,000 |
| Noninterest expense | 426,000 | 843,000 | 1,271,000 | 1,885,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 501,000 | 997,000 | 1,544,000 | 1,882,000 |
| Income tax | 24,000 | 48,000 | 74,000 | 93,000 |
| Net income | 477,000 | 949,000 | 1,470,000 | 1,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,567,000 | 11,864,000 | 12,200,000 | 12,454,000 |
| Total capital | 12,225,000 | 12,522,000 | 12,860,000 | 13,148,000 |
| Risk-weighted assets | 53,733,000 | 55,413,000 | 56,251,000 | 55,491,000 |