Call reports 2003
FARMERS BANK, WINDSOR VA — 2003
What FARMERS BANK, WINDSOR VA 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 | 174,039,000 | 177,669,000 | 187,392,000 | 195,600,000 |
| Total loans | 109,006,000 | 119,447,000 | 124,847,000 | 125,539,000 |
| Allowance for loan losses | 1,425,000 | 1,426,000 | 1,426,000 | 1,409,000 |
| Securities available for sale | 44,190,000 | 39,913,000 | 39,261,000 | 55,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,167,000 | 156,679,000 | 165,991,000 | 174,094,000 |
| Interest-bearing deposits | 131,198,000 | 134,083,000 | 138,236,000 | 146,416,000 |
| Noninterest-bearing deposits | 21,969,000 | 22,596,000 | 27,755,000 | 27,678,000 |
| Equity capital | 19,183,000 | 19,609,000 | 19,921,000 | 20,256,000 |
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 | 2,385,000 | 4,775,000 | 7,222,000 | 9,708,000 |
| Interest expense | 765,000 | 1,520,000 | 2,300,000 | 3,079,000 |
| Net interest income | 1,620,000 | 3,255,000 | 4,922,000 | 6,629,000 |
| Noninterest income | 132,000 | 251,000 | 404,000 | 572,000 |
| Noninterest expense | 951,000 | 1,902,000 | 2,877,000 | 3,863,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 803,000 | 1,607,000 | 2,452,000 | 3,341,000 |
| Income tax | 254,000 | 510,000 | 778,000 | 1,052,000 |
| Net income | 549,000 | 1,097,000 | 1,674,000 | 2,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,450,000 | 18,752,000 | 19,329,000 | 19,673,000 |
| Total capital | 19,875,000 | 20,178,000 | 20,755,000 | 21,082,000 |
| Risk-weighted assets | 117,922,000 | 126,385,000 | 131,976,000 | 133,615,000 |