Call reports 2008
FARMERS TRUST AND SAVINGS BANK — 2008
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 273,996,000 | 279,563,000 | 277,533,000 | 279,697,000 |
| Total loans | 196,294,000 | 200,327,000 | 202,384,000 | 202,749,000 |
| Allowance for loan losses | 2,416,000 | 2,687,000 | 3,216,000 | 3,665,000 |
| Securities available for sale | 65,017,000 | 65,565,000 | 63,177,000 | 67,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,654,000 | 224,585,000 | 222,978,000 | 230,256,000 |
| Interest-bearing deposits | 212,292,000 | 203,467,000 | 207,533,000 | 210,818,000 |
| Noninterest-bearing deposits | 15,362,000 | 21,118,000 | 15,445,000 | 19,438,000 |
| Equity capital | 19,960,000 | 19,043,000 | 19,692,000 | 20,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,205,000 | 8,168,000 | 12,100,000 | 15,848,000 |
| Interest expense | 2,167,000 | 3,916,000 | 5,618,000 | 7,133,000 |
| Net interest income | 2,038,000 | 4,252,000 | 6,482,000 | 8,715,000 |
| Noninterest income | 192,000 | 420,000 | 487,000 | 699,000 |
| Noninterest expense | 1,173,000 | 2,348,000 | 3,528,000 | 4,771,000 |
| Provision for loan losses | 120,000 | 390,000 | 925,000 | 1,510,000 |
| Pretax income | 937,000 | 1,934,000 | 2,516,000 | 3,133,000 |
| Income tax | 47,000 | 97,000 | 126,000 | 131,000 |
| Net income | 890,000 | 1,837,000 | 2,390,000 | 3,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,877,000 | 19,256,000 | 19,383,000 | 19,295,000 |
| Total capital | 21,293,000 | 21,853,000 | 22,004,000 | 21,914,000 |
| Risk-weighted assets | 205,640,000 | 207,671,000 | 209,167,000 | 208,492,000 |
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