Call reports 2004
FARMERS TRUST AND SAVINGS BANK — 2004
What FARMERS TRUST AND SAVINGS BANK 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 | 91,677,000 | 90,373,000 | 93,454,000 | 92,544,000 |
| Total loans | 56,987,000 | 57,860,000 | 60,665,000 | 60,352,000 |
| Allowance for loan losses | 714,000 | 716,000 | 592,000 | 713,000 |
| Securities available for sale | 29,964,000 | 27,443,000 | 27,442,000 | 25,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,325,000 | 62,420,000 | 60,326,000 | 64,531,000 |
| Interest-bearing deposits | 50,636,000 | 51,908,000 | 48,989,000 | 51,524,000 |
| Noninterest-bearing deposits | 11,689,000 | 10,512,000 | 11,337,000 | 13,007,000 |
| Equity capital | 13,417,000 | 13,114,000 | 13,933,000 | 13,921,000 |
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 | 1,280,000 | 2,512,000 | 3,811,000 | 5,114,000 |
| Interest expense | 372,000 | 736,000 | 1,110,000 | 1,492,000 |
| Net interest income | 908,000 | 1,776,000 | 2,701,000 | 3,622,000 |
| Noninterest income | 153,000 | 313,000 | 466,000 | 628,000 |
| Noninterest expense | 442,000 | 884,000 | 1,348,000 | 2,001,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 619,000 | 1,205,000 | 1,819,000 | 2,117,000 |
| Income tax | 30,000 | 58,000 | 88,000 | 95,000 |
| Net income | 589,000 | 1,147,000 | 1,731,000 | 2,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,863,000 | 13,186,000 | 13,590,000 | 13,731,000 |
| Total capital | 13,559,000 | 13,891,000 | 14,182,000 | 14,444,000 |
| Risk-weighted assets | 55,656,000 | 56,381,000 | 58,887,000 | 58,515,000 |