Call reports 2004
FARMERS TRUST & SAVINGS BANK — 2004
What FARMERS TRUST & 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 | 119,098,000 | 116,345,000 | 115,309,000 | 116,252,000 |
| Total loans | 87,568,000 | 90,447,000 | 92,817,000 | 91,629,000 |
| Allowance for loan losses | 1,311,000 | 1,266,000 | 1,255,000 | 1,252,000 |
| Securities available for sale | 8,305,000 | 8,545,000 | 6,728,000 | 7,044,000 |
| Securities held to maturity | 5,464,000 | 4,925,000 | 1,736,000 | 1,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,638,000 | 92,372,000 | 88,585,000 | 93,880,000 |
| Interest-bearing deposits | 82,527,000 | 81,473,000 | 77,205,000 | 77,732,000 |
| Noninterest-bearing deposits | 15,111,000 | 10,899,000 | 11,380,000 | 16,148,000 |
| Equity capital | 10,574,000 | 12,011,000 | 12,114,000 | 12,124,000 |
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 | 1,513,000 | 3,053,000 | 4,632,000 | 6,196,000 |
| Interest expense | 472,000 | 932,000 | 1,398,000 | 1,861,000 |
| Net interest income | 1,041,000 | 2,121,000 | 3,234,000 | 4,335,000 |
| Noninterest income | 165,000 | 338,000 | 502,000 | 762,000 |
| Noninterest expense | 700,000 | 1,388,000 | 2,088,000 | 2,868,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 486,000 | 1,052,000 | 1,653,000 | 2,238,000 |
| Income tax | 22,000 | 49,000 | 79,000 | 108,000 |
| Net income | 464,000 | 1,003,000 | 1,574,000 | 2,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,672,000 | 11,237,000 | 11,315,000 | 11,378,000 |
| Total capital | 10,818,000 | 12,503,000 | 12,570,000 | 12,630,000 |
| Risk-weighted assets | 91,489,000 | 102,394,000 | 102,441,000 | 102,041,000 |