Call reports 2003
FARMERS SAVINGS BANK — 2003
What FARMERS 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 | 38,061,000 | 38,827,000 | 38,321,000 | 37,909,000 |
| Total loans | 20,305,000 | 20,781,000 | 21,445,000 | 21,573,000 |
| Allowance for loan losses | 297,000 | 281,000 | 247,000 | 253,000 |
| Securities available for sale | 12,663,000 | 11,039,000 | 10,172,000 | 9,646,000 |
| Securities held to maturity | 2,105,000 | 3,557,000 | 4,687,000 | 4,936,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,557,000 | 32,652,000 | 32,551,000 | 32,609,000 |
| Interest-bearing deposits | 27,534,000 | 28,490,000 | 28,238,000 | 28,037,000 |
| Noninterest-bearing deposits | 4,023,000 | 4,162,000 | 4,313,000 | 4,572,000 |
| Equity capital | 3,595,000 | 3,662,000 | 3,642,000 | 3,525,000 |
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 | 515,000 | 1,049,000 | 1,527,000 | 2,016,000 |
| Interest expense | 220,000 | 433,000 | 632,000 | 813,000 |
| Net interest income | 295,000 | 616,000 | 895,000 | 1,203,000 |
| Noninterest income | 41,000 | 104,000 | 144,000 | 190,000 |
| Noninterest expense | 254,000 | 491,000 | 733,000 | 1,007,000 |
| Provision for loan losses | 0 | 0 | 41,000 | 44,000 |
| Pretax income | 82,000 | 263,000 | 305,000 | 393,000 |
| Income tax | 22,000 | 85,000 | 90,000 | 114,000 |
| Net income | 60,000 | 178,000 | 215,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,375,000 | 3,493,000 | 3,530,000 | 3,452,000 |
| Total capital | 3,632,000 | 3,748,000 | 3,777,000 | 3,705,000 |
| Risk-weighted assets | 20,515,000 | 20,402,000 | 20,749,000 | 20,340,000 |