Call reports 2003
FARMERS BANK & TRUST COMPANY — 2003
What FARMERS BANK & TRUST COMPANY 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 | 405,850,000 | 408,669,000 | 403,558,000 | 417,335,000 |
| Total loans | 209,217,000 | 208,728,000 | 209,109,000 | 219,485,000 |
| Allowance for loan losses | 3,935,000 | 3,804,000 | 3,744,000 | 3,384,000 |
| Securities available for sale | 158,003,000 | 167,592,000 | 158,455,000 | 165,463,000 |
| Securities held to maturity | 3,914,000 | 3,626,000 | 2,952,000 | 2,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,986,000 | 355,453,000 | 352,375,000 | 355,898,000 |
| Interest-bearing deposits | 315,106,000 | 320,540,000 | 316,272,000 | 314,764,000 |
| Noninterest-bearing deposits | 32,880,000 | 34,913,000 | 36,103,000 | 41,134,000 |
| Equity capital | 42,237,000 | 41,462,000 | 40,668,000 | 41,359,000 |
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 | 5,280,000 | 10,418,000 | 15,488,000 | 20,598,000 |
| Interest expense | 2,073,000 | 4,063,000 | 5,855,000 | 7,516,000 |
| Net interest income | 3,207,000 | 6,355,000 | 9,633,000 | 13,082,000 |
| Noninterest income | 617,000 | 1,282,000 | 1,925,000 | 2,688,000 |
| Noninterest expense | 2,067,000 | 4,249,000 | 6,382,000 | 8,690,000 |
| Provision for loan losses | 205,000 | 271,000 | 402,000 | 898,000 |
| Pretax income | 1,553,000 | 3,118,000 | 4,775,000 | 6,183,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,553,000 | 3,118,000 | 4,775,000 | 6,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,756,000 | 36,687,000 | 37,310,000 | 37,383,000 |
| Total capital | 40,884,000 | 39,862,000 | 40,486,000 | 40,663,000 |
| Risk-weighted assets | 249,454,000 | 253,405,000 | 253,517,000 | 262,267,000 |