Call reports 2003
FARMERS BANK & TRUST — 2003
What FARMERS BANK & TRUST 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 | 315,306,000 | 319,329,000 | 336,522,000 | 363,106,000 |
| Total loans | 193,355,000 | 190,270,000 | 191,190,000 | 200,891,000 |
| Allowance for loan losses | 2,399,000 | 2,666,000 | 2,811,000 | 2,371,000 |
| Securities available for sale | 85,741,000 | 88,371,000 | 106,793,000 | 122,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,355,000 | 237,111,000 | 241,517,000 | 271,702,000 |
| Interest-bearing deposits | 201,754,000 | 208,841,000 | 209,540,000 | 237,644,000 |
| Noninterest-bearing deposits | 29,601,000 | 28,270,000 | 31,977,000 | 34,058,000 |
| Equity capital | 35,561,000 | 36,831,000 | 36,579,000 | 39,307,000 |
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 | 4,656,000 | 9,223,000 | 13,761,000 | 18,499,000 |
| Interest expense | 1,574,000 | 3,057,000 | 4,447,000 | 5,877,000 |
| Net interest income | 3,082,000 | 6,166,000 | 9,314,000 | 12,622,000 |
| Noninterest income | 577,000 | 1,094,000 | 1,656,000 | 2,236,000 |
| Noninterest expense | 1,500,000 | 2,900,000 | 4,361,000 | 5,999,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 825,000 |
| Pretax income | 1,861,000 | 3,764,000 | 5,868,000 | 8,043,000 |
| Income tax | 77,000 | 145,000 | 231,000 | 315,000 |
| Net income | 1,784,000 | 3,619,000 | 5,637,000 | 7,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,172,000 | 32,606,000 | 34,124,000 | 36,216,000 |
| Total capital | 34,571,000 | 35,205,000 | 36,792,000 | 38,587,000 |
| Risk-weighted assets | 213,637,000 | 207,921,000 | 213,332,000 | 234,659,000 |