Call reports 2003
FARMERS BUILDING AND SAVINGS BANK — 2003
What FARMERS BUILDING AND 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 | 47,556,000 | 49,122,000 | 48,769,000 | 48,477,000 |
| Total loans | 23,360,000 | 21,649,000 | 21,859,000 | 22,266,000 |
| Allowance for loan losses | 85,000 | 85,000 | 85,000 | 85,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,054,000 | 10,332,000 | 12,562,000 | 13,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,263,000 | 39,714,000 | 39,268,000 | 38,889,000 |
| Interest-bearing deposits | 38,152,000 | 39,578,000 | 39,230,000 | 38,781,000 |
| Noninterest-bearing deposits | 111,000 | 136,000 | 38,000 | 108,000 |
| Equity capital | 8,840,000 | 9,013,000 | 9,074,000 | 9,119,000 |
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 | 615,000 | 1,264,000 | 1,787,000 | 2,362,000 |
| Interest expense | 186,000 | 380,000 | 531,000 | 678,000 |
| Net interest income | 429,000 | 884,000 | 1,256,000 | 1,684,000 |
| Noninterest income | 22,000 | 44,000 | 67,000 | 105,000 |
| Noninterest expense | 273,000 | 504,000 | 752,000 | 1,032,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 178,000 | 424,000 | 571,000 | 737,000 |
| Income tax | 86,000 | 159,000 | 245,000 | 366,000 |
| Net income | 92,000 | 265,000 | 326,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,840,000 | 9,013,000 | 9,074,000 | 9,119,000 |
| Total capital | 8,925,000 | 9,098,000 | 9,159,000 | 9,204,000 |
| Risk-weighted assets | 20,346,000 | 19,978,000 | 19,037,000 | 19,401,000 |