Call reports 2003
FARMERS AND TRADERS SAVINGS BANK — 2003
What FARMERS AND TRADERS 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 | 16,176,000 | 16,244,000 | 16,600,000 | 16,828,000 |
| Total loans | 10,272,000 | 10,673,000 | 11,172,000 | 11,068,000 |
| Allowance for loan losses | 76,000 | 76,000 | 76,000 | 76,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 400,000 | 500,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,772,000 | 14,849,000 | 15,189,000 | 15,394,000 |
| Interest-bearing deposits | 14,109,000 | 14,225,000 | 14,616,000 | 14,737,000 |
| Noninterest-bearing deposits | 663,000 | 624,000 | 573,000 | 657,000 |
| Equity capital | 1,285,000 | 1,295,000 | 1,319,000 | 1,346,000 |
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 | 227,000 | 456,000 | 690,000 | 917,000 |
| Interest expense | 122,000 | 237,000 | 347,000 | 448,000 |
| Net interest income | 105,000 | 219,000 | 343,000 | 469,000 |
| Noninterest income | 9,000 | 16,000 | 27,000 | 49,000 |
| Noninterest expense | 101,000 | 206,000 | 315,000 | 428,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | 29,000 | 55,000 | 90,000 |
| Income tax | 3,000 | 9,000 | 11,000 | 19,000 |
| Net income | 10,000 | 20,000 | 44,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,285,000 | 1,295,000 | 1,319,000 | 1,346,000 |
| Total capital | 1,361,000 | 1,371,000 | 1,395,000 | 1,422,000 |
| Risk-weighted assets | 8,880,000 | 9,016,000 | 9,328,000 | 9,164,000 |