Call reports 2005
FARMERS TRUST AND SAVINGS BANK — 2005
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 207,279,000 | 222,378,000 | 221,779,000 | 220,122,000 |
| Total loans | 160,741,000 | 170,294,000 | 168,211,000 | 166,401,000 |
| Allowance for loan losses | 2,090,000 | 2,128,000 | 2,199,000 | 2,271,000 |
| Securities available for sale | 37,935,000 | 44,475,000 | 41,306,000 | 44,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,091,000 | 171,292,000 | 172,278,000 | 173,889,000 |
| Interest-bearing deposits | 145,863,000 | 154,648,000 | 154,669,000 | 157,940,000 |
| Noninterest-bearing deposits | 15,228,000 | 16,644,000 | 17,609,000 | 15,949,000 |
| Equity capital | 15,009,000 | 15,532,000 | 15,830,000 | 15,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,680,000 | 8,787,000 | 12,013,000 |
| Interest expense | 946,000 | 2,122,000 | 3,451,000 | 4,938,000 |
| Net interest income | 1,773,000 | 3,558,000 | 5,336,000 | 7,075,000 |
| Noninterest income | 208,000 | 415,000 | 636,000 | 837,000 |
| Noninterest expense | 972,000 | 1,951,000 | 2,924,000 | 3,964,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 320,000 |
| Pretax income | 965,000 | 1,918,000 | 2,854,000 | 3,644,000 |
| Income tax | 48,000 | 96,000 | 142,000 | 182,000 |
| Net income | 917,000 | 1,822,000 | 2,712,000 | 3,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,204,000 | 15,604,000 | 15,991,000 | 16,161,000 |
| Total capital | 17,259,000 | 17,732,000 | 18,190,000 | 18,343,000 |
| Risk-weighted assets | 164,408,000 | 176,801,000 | 176,685,000 | 174,495,000 |
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