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 | 42,483,000 | 43,342,000 | 41,840,000 | 42,494,000 |
| Total loans | 17,900,000 | 16,368,000 | 15,807,000 | 14,976,000 |
| Allowance for loan losses | 719,000 | 719,000 | 498,000 | 511,000 |
| Securities available for sale | 19,695,000 | 20,935,000 | 22,578,000 | 22,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,593,000 | 35,287,000 | 34,344,000 | 33,773,000 |
| Interest-bearing deposits | 31,258,000 | 31,384,000 | 30,523,000 | 29,619,000 |
| Noninterest-bearing deposits | 3,335,000 | 3,903,000 | 3,821,000 | 4,154,000 |
| Equity capital | 3,400,000 | 3,523,000 | 3,400,000 | 3,582,000 |
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 | 504,000 | 996,000 | 1,469,000 | 2,002,000 |
| Interest expense | 284,000 | 559,000 | 821,000 | 1,067,000 |
| Net interest income | 220,000 | 437,000 | 648,000 | 935,000 |
| Noninterest income | 71,000 | 120,000 | 211,000 | 309,000 |
| Noninterest expense | 457,000 | 760,000 | 1,024,000 | 1,301,000 |
| Provision for loan losses | 15,000 | 15,000 | -206,000 | -206,000 |
| Pretax income | -151,000 | -185,000 | 82,000 | 183,000 |
| Income tax | 0 | 0 | 3,000 | 9,000 |
| Net income | -151,000 | -185,000 | 79,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,275,000 | 3,241,000 | 3,505,000 | 3,599,000 |
| Total capital | 3,567,000 | 3,504,000 | 3,764,000 | 3,851,000 |
| Risk-weighted assets | 22,929,000 | 20,550,000 | 20,479,000 | 19,898,000 |