Call reports 2003
FARMERS & TRADERS BANK OF CAMPTON — 2003
What FARMERS & TRADERS BANK OF CAMPTON 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 | 38,130,000 | 37,464,000 | 36,460,000 | 35,542,000 |
| Total loans | 21,321,000 | 20,520,000 | 20,062,000 | 19,030,000 |
| Allowance for loan losses | 364,000 | 439,000 | 427,000 | 445,000 |
| Securities available for sale | 8,422,000 | 8,453,000 | 9,539,000 | 9,043,000 |
| Securities held to maturity | 1,989,000 | 1,989,000 | 1,990,000 | 2,840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,501,000 | 32,042,000 | 31,023,000 | 30,526,000 |
| Interest-bearing deposits | 26,777,000 | 26,354,000 | 25,566,000 | 24,995,000 |
| Noninterest-bearing deposits | 5,724,000 | 5,688,000 | 5,457,000 | 5,531,000 |
| Equity capital | 3,362,000 | 3,293,000 | 3,298,000 | 3,553,000 |
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 | 564,000 | 1,105,000 | 1,627,000 | 2,142,000 |
| Interest expense | 158,000 | 303,000 | 434,000 | 551,000 |
| Net interest income | 406,000 | 802,000 | 1,193,000 | 1,591,000 |
| Noninterest income | 83,000 | 203,000 | 338,000 | 439,000 |
| Noninterest expense | 320,000 | 638,000 | 951,000 | 1,297,000 |
| Provision for loan losses | 14,000 | 260,000 | 339,000 | 360,000 |
| Pretax income | 155,000 | 109,000 | 243,000 | 375,000 |
| Income tax | 50,000 | 28,000 | 62,000 | -102,000 |
| Net income | 105,000 | 81,000 | 181,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,700,000 | 2,630,000 | 2,684,000 | 2,944,000 |
| Total capital | 2,968,000 | 2,899,000 | 2,940,000 | 3,191,000 |
| Risk-weighted assets | 21,318,000 | 21,341,000 | 20,321,000 | 19,584,000 |