Call reports 2003
FARMERS NATIONAL BANK OF CYNTHIANA, THE — 2003
What FARMERS NATIONAL BANK OF CYNTHIANA, THE 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 | 103,978,000 | 108,006,000 | 121,761,000 | 115,413,000 |
| Total loans | 44,986,000 | 45,958,000 | 60,063,000 | 46,352,000 |
| Allowance for loan losses | 429,000 | 423,000 | 459,000 | 272,000 |
| Securities available for sale | 48,320,000 | 54,219,000 | 53,517,000 | 59,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,705,000 | 79,380,000 | 85,196,000 | 87,237,000 |
| Interest-bearing deposits | 63,156,000 | 67,515,000 | 73,647,000 | 74,605,000 |
| Noninterest-bearing deposits | 12,549,000 | 11,865,000 | 11,549,000 | 12,632,000 |
| Equity capital | 16,884,000 | 17,849,000 | 17,476,000 | 18,041,000 |
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 | 1,403,000 | 2,788,000 | 4,191,000 | 5,649,000 |
| Interest expense | 484,000 | 957,000 | 1,393,000 | 1,831,000 |
| Net interest income | 919,000 | 1,831,000 | 2,798,000 | 3,818,000 |
| Noninterest income | 103,000 | 209,000 | 323,000 | 443,000 |
| Noninterest expense | 510,000 | 1,030,000 | 1,572,000 | 2,206,000 |
| Provision for loan losses | 0 | 0 | 248,000 | 294,000 |
| Pretax income | 512,000 | 1,011,000 | 1,306,000 | 2,041,000 |
| Income tax | 96,000 | 202,000 | 229,000 | 346,000 |
| Net income | 416,000 | 809,000 | 1,077,000 | 1,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,153,000 | 16,546,000 | 16,814,000 | 17,432,000 |
| Total capital | 16,582,000 | 16,969,000 | 17,273,000 | 17,704,000 |
| Risk-weighted assets | 60,739,000 | 61,341,000 | 75,225,000 | 60,449,000 |