Call reports 2003
FARMERS & TRADERS SAVINGS BANK — 2003
What FARMERS & 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 | 37,834,000 | 37,026,000 | 37,623,000 | 38,777,000 |
| Total loans | 24,054,000 | 25,099,000 | 25,935,000 | 25,381,000 |
| Allowance for loan losses | 583,000 | 617,000 | 626,000 | 592,000 |
| Securities available for sale | 11,935,000 | 10,083,000 | 9,925,000 | 10,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,799,000 | 28,380,000 | 29,399,000 | 30,706,000 |
| Interest-bearing deposits | 26,535,000 | 26,420,000 | 26,584,000 | 26,900,000 |
| Noninterest-bearing deposits | 3,264,000 | 1,960,000 | 2,815,000 | 3,806,000 |
| Equity capital | 4,242,000 | 4,361,000 | 4,350,000 | 4,373,000 |
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 | 551,000 | 1,104,000 | 1,635,000 | 2,164,000 |
| Interest expense | 203,000 | 411,000 | 612,000 | 802,000 |
| Net interest income | 348,000 | 693,000 | 1,023,000 | 1,362,000 |
| Noninterest income | 21,000 | 48,000 | 82,000 | 114,000 |
| Noninterest expense | 209,000 | 446,000 | 700,000 | 1,014,000 |
| Provision for loan losses | 15,000 | 40,000 | 46,000 | 40,000 |
| Pretax income | 145,000 | 255,000 | 359,000 | 422,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 21,000 |
| Net income | 139,000 | 242,000 | 340,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,900,000 | 4,003,000 | 4,101,000 | 4,162,000 |
| Total capital | 4,242,000 | 4,355,000 | 4,508,000 | 4,533,000 |
| Risk-weighted assets | 27,113,000 | 27,919,000 | 32,374,000 | 29,436,000 |