Call reports 2013
FARMERS TRUST AND SAVINGS BANK — 2013
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 337,866,000 | 326,135,000 | 328,330,000 | 326,760,000 |
| Total loans | 195,542,000 | 196,010,000 | 200,005,000 | 202,746,000 |
| Allowance for loan losses | 4,898,000 | 4,354,000 | 4,425,000 | 4,339,000 |
| Securities available for sale | 125,906,000 | 118,766,000 | 112,640,000 | 107,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,670,000 | 263,494,000 | 274,193,000 | 279,757,000 |
| Interest-bearing deposits | 259,659,000 | 241,808,000 | 249,638,000 | 254,798,000 |
| Noninterest-bearing deposits | 22,011,000 | 21,686,000 | 24,555,000 | 24,959,000 |
| Equity capital | 31,059,000 | 28,760,000 | 29,618,000 | 29,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,793,000 | 5,608,000 | 8,436,000 | 11,217,000 |
| Interest expense | 377,000 | 752,000 | 1,115,000 | 1,490,000 |
| Net interest income | 2,416,000 | 4,856,000 | 7,321,000 | 9,727,000 |
| Noninterest income | 113,000 | 202,000 | 420,000 | 619,000 |
| Noninterest expense | 1,389,000 | 2,873,000 | 4,241,000 | 5,611,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 | 225,000 |
| Pretax income | 1,140,000 | 2,110,000 | 3,350,000 | 4,510,000 |
| Income tax | 57,000 | 106,000 | 168,000 | 226,000 |
| Net income | 1,083,000 | 2,004,000 | 3,182,000 | 4,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,529,000 | 28,827,000 | 29,266,000 | 29,644,000 |
| Total capital | 31,109,000 | 31,419,000 | 31,897,000 | 32,304,000 |
| Risk-weighted assets | 204,047,000 | 205,674,000 | 208,678,000 | 211,913,000 |