Call reports 2015
FARMERS TRUST AND SAVINGS BANK — 2015
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 345,422,000 | 355,475,000 | 359,763,000 | 357,979,000 |
| Total loans | 228,644,000 | 264,861,000 | 270,235,000 | 275,976,000 |
| Allowance for loan losses | 2,837,000 | 2,930,000 | 3,187,000 | 3,310,000 |
| Securities available for sale | 99,606,000 | 78,081,000 | 75,280,000 | 71,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,053,000 | 290,740,000 | 310,947,000 | 308,755,000 |
| Interest-bearing deposits | 273,347,000 | 267,661,000 | 286,541,000 | 279,114,000 |
| Noninterest-bearing deposits | 23,706,000 | 23,079,000 | 24,406,000 | 29,641,000 |
| Equity capital | 32,110,000 | 32,044,000 | 32,965,000 | 32,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,740,000 | 5,812,000 | 9,062,000 | 12,374,000 |
| Interest expense | 333,000 | 704,000 | 1,092,000 | 1,500,000 |
| Net interest income | 2,407,000 | 5,108,000 | 7,970,000 | 10,874,000 |
| Noninterest income | 250,000 | 527,000 | 554,000 | 821,000 |
| Noninterest expense | 1,533,000 | 3,089,000 | 4,535,000 | 6,276,000 |
| Provision for loan losses | 150,000 | 495,000 | 620,000 | 770,000 |
| Pretax income | 974,000 | 2,351,000 | 3,669,000 | 4,953,000 |
| Income tax | 49,000 | 118,000 | 184,000 | 209,000 |
| Net income | 925,000 | 2,233,000 | 3,485,000 | 4,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,062,000 | 31,892,000 | 32,416,000 | 32,475,000 |
| Total capital | 33,899,000 | 34,822,000 | 35,603,000 | 35,785,000 |
| Risk-weighted assets | 247,844,000 | 275,628,000 | 275,669,000 | 281,313,000 |