Call reports 2012
FARMERS TRUST AND SAVINGS BANK — 2012
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 313,628,000 | 311,518,000 | 317,678,000 | 329,806,000 |
| Total loans | 175,957,000 | 178,174,000 | 186,392,000 | 187,225,000 |
| Allowance for loan losses | 5,010,000 | 5,111,000 | 5,047,000 | 4,900,000 |
| Securities available for sale | 119,464,000 | 119,162,000 | 114,414,000 | 126,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,732,000 | 260,596,000 | 264,053,000 | 275,824,000 |
| Interest-bearing deposits | 244,749,000 | 240,048,000 | 241,520,000 | 249,720,000 |
| Noninterest-bearing deposits | 18,983,000 | 20,548,000 | 22,533,000 | 26,104,000 |
| Equity capital | 28,546,000 | 29,568,000 | 30,676,000 | 30,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,815,000 | 5,711,000 | 8,613,000 | 11,494,000 |
| Interest expense | 491,000 | 950,000 | 1,378,000 | 1,790,000 |
| Net interest income | 2,324,000 | 4,761,000 | 7,235,000 | 9,704,000 |
| Noninterest income | 283,000 | 588,000 | 673,000 | 774,000 |
| Noninterest expense | 1,401,000 | 2,806,000 | 4,140,000 | 5,538,000 |
| Provision for loan losses | 100,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 1,253,000 | 2,490,000 | 3,715,000 | 4,887,000 |
| Income tax | 63,000 | 125,000 | 186,000 | 208,000 |
| Net income | 1,190,000 | 2,365,000 | 3,529,000 | 4,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,079,000 | 26,730,000 | 27,370,000 | 28,072,000 |
| Total capital | 28,415,000 | 29,079,000 | 29,837,000 | 30,553,000 |
| Risk-weighted assets | 184,399,000 | 187,086,000 | 194,753,000 | 196,912,000 |