Call reports 2003
FARMERS BANK, FRANKFORT, INDIANA, INC., THE — 2003
What FARMERS BANK, FRANKFORT, INDIANA, INC., THE 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 | 472,811,000 | 463,208,000 | 455,540,000 | 469,249,000 |
| Total loans | 387,399,000 | 381,884,000 | 374,635,000 | 373,016,000 |
| Allowance for loan losses | 5,247,000 | 6,641,000 | 5,517,000 | 5,121,000 |
| Securities available for sale | 31,508,000 | 27,558,000 | 24,543,000 | 34,513,000 |
| Securities held to maturity | 20,299,000 | 18,399,000 | 18,002,000 | 23,155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,043,000 | 356,887,000 | 351,339,000 | 360,260,000 |
| Interest-bearing deposits | 322,043,000 | 312,847,000 | 306,493,000 | 312,719,000 |
| Noninterest-bearing deposits | 42,000,000 | 44,040,000 | 44,846,000 | 47,541,000 |
| Equity capital | 39,586,000 | 38,133,000 | 38,733,000 | 39,001,000 |
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 | 7,277,000 | 14,374,000 | 21,274,000 | 27,952,000 |
| Interest expense | 3,029,000 | 5,936,000 | 8,596,000 | 11,176,000 |
| Net interest income | 4,248,000 | 8,438,000 | 12,678,000 | 16,776,000 |
| Noninterest income | 1,132,000 | 2,057,000 | 3,726,000 | 4,969,000 |
| Noninterest expense | 3,152,000 | 6,659,000 | 9,931,000 | 13,032,000 |
| Provision for loan losses | 900,000 | 3,350,000 | 4,375,000 | 5,000,000 |
| Pretax income | 1,369,000 | 393,000 | 2,004,000 | 3,619,000 |
| Income tax | 490,000 | 63,000 | 445,000 | 865,000 |
| Net income | 879,000 | 330,000 | 1,559,000 | 2,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,849,000 | 37,838,000 | 38,508,000 | 38,823,000 |
| Total capital | 43,853,000 | 42,789,000 | 43,376,000 | 43,729,000 |
| Risk-weighted assets | 400,048,000 | 394,452,000 | 388,804,000 | 392,292,000 |