Call reports 2002
FARMERS TRUST & SAVINGS BANK — 2002
What FARMERS TRUST & SAVINGS BANK 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 | 109,465,000 | 111,505,000 | 111,355,000 | 115,469,000 |
| Total loans | 79,124,000 | 84,528,000 | 84,355,000 | 79,207,000 |
| Allowance for loan losses | 960,000 | 1,010,000 | 1,062,000 | 1,065,000 |
| Securities available for sale | 16,326,000 | 15,202,000 | 13,654,000 | 14,827,000 |
| Securities held to maturity | 5,372,000 | 5,138,000 | 5,616,000 | 5,678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,829,000 | 90,836,000 | 91,528,000 | 95,765,000 |
| Interest-bearing deposits | 83,467,000 | 81,778,000 | 81,883,000 | 82,893,000 |
| Noninterest-bearing deposits | 9,362,000 | 9,058,000 | 9,645,000 | 12,872,000 |
| Equity capital | 9,145,000 | 9,638,000 | 10,009,000 | 10,154,000 |
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 | 1,711,000 | 3,489,000 | 5,282,000 | 6,952,000 |
| Interest expense | 744,000 | 1,488,000 | 2,218,000 | 2,882,000 |
| Net interest income | 967,000 | 2,001,000 | 3,064,000 | 4,070,000 |
| Noninterest income | 133,000 | 286,000 | 426,000 | 626,000 |
| Noninterest expense | 677,000 | 1,307,000 | 1,939,000 | 2,587,000 |
| Provision for loan losses | 150,000 | 260,000 | 320,000 | 465,000 |
| Pretax income | 273,000 | 720,000 | 1,231,000 | 1,644,000 |
| Income tax | 13,000 | 38,000 | 62,000 | 80,000 |
| Net income | 260,000 | 682,000 | 1,169,000 | 1,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,236,000 | 8,530,000 | 8,814,000 | 8,979,000 |
| Total capital | 9,196,000 | 9,540,000 | 9,876,000 | 10,044,000 |
| Risk-weighted assets | 90,712,000 | 94,847,000 | 95,182,000 | 92,292,000 |