Call reports 2003
FARMERS TRUST & SAVINGS BANK — 2003
What FARMERS TRUST & 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 | 115,175,000 | 116,075,000 | 115,988,000 | 117,934,000 |
| Total loans | 83,912,000 | 88,859,000 | 91,132,000 | 87,276,000 |
| Allowance for loan losses | 1,141,000 | 1,221,000 | 1,312,000 | 1,283,000 |
| Securities available for sale | 14,680,000 | 11,490,000 | 8,141,000 | 8,899,000 |
| Securities held to maturity | 6,296,000 | 5,684,000 | 5,679,000 | 5,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,395,000 | 92,048,000 | 91,424,000 | 96,684,000 |
| Interest-bearing deposits | 84,345,000 | 81,458,000 | 80,871,000 | 82,990,000 |
| Noninterest-bearing deposits | 11,050,000 | 10,590,000 | 10,553,000 | 13,694,000 |
| Equity capital | 10,197,000 | 10,411,000 | 10,533,000 | 10,460,000 |
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 | 1,587,000 | 3,226,000 | 4,854,000 | 6,432,000 |
| Interest expense | 602,000 | 1,157,000 | 1,686,000 | 2,197,000 |
| Net interest income | 985,000 | 2,069,000 | 3,168,000 | 4,235,000 |
| Noninterest income | 145,000 | 316,000 | 468,000 | 643,000 |
| Noninterest expense | 682,000 | 1,351,000 | 2,034,000 | 2,785,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 275,000 |
| Pretax income | 373,000 | 884,000 | 1,377,000 | 1,818,000 |
| Income tax | 19,000 | 45,000 | 70,000 | 90,000 |
| Net income | 354,000 | 839,000 | 1,307,000 | 1,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,090,000 | 9,335,000 | 9,559,000 | 9,537,000 |
| Total capital | 10,231,000 | 10,556,000 | 10,839,000 | 10,787,000 |
| Risk-weighted assets | 95,088,000 | 100,230,000 | 102,369,000 | 99,992,000 |