Call reports 2003
FARMERS & TRADERS STATE BANK — 2003
What FARMERS & TRADERS STATE 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 | 31,041,000 | 30,314,000 | 31,745,000 | 31,378,000 |
| Total loans | 15,452,000 | 16,664,000 | 15,898,000 | 15,883,000 |
| Allowance for loan losses | 350,000 | 356,000 | 332,000 | 229,000 |
| Securities available for sale | 10,067,000 | 8,372,000 | 9,092,000 | 9,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,824,000 | 23,041,000 | 24,444,000 | 23,947,000 |
| Interest-bearing deposits | 20,814,000 | 20,009,000 | 21,577,000 | 20,927,000 |
| Noninterest-bearing deposits | 3,010,000 | 3,032,000 | 2,867,000 | 3,020,000 |
| Equity capital | 4,631,000 | 4,667,000 | 4,666,000 | 4,846,000 |
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 | 434,000 | 832,000 | 1,234,000 | 1,621,000 |
| Interest expense | 134,000 | 255,000 | 370,000 | 479,000 |
| Net interest income | 300,000 | 577,000 | 864,000 | 1,142,000 |
| Noninterest income | 23,000 | 41,000 | 59,000 | 74,000 |
| Noninterest expense | 218,000 | 445,000 | 656,000 | 901,000 |
| Provision for loan losses | 0 | 0 | 0 | -100,000 |
| Pretax income | 105,000 | 200,000 | 294,000 | 439,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 105,000 | 200,000 | 294,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,496,000 | 4,547,000 | 4,625,000 | 4,765,000 |
| Total capital | 4,713,000 | 4,770,000 | 4,846,000 | 4,989,000 |
| Risk-weighted assets | 17,233,000 | 17,739,000 | 17,569,000 | 17,884,000 |