Call reports 2016
FARMERS TRUST AND SAVINGS BANK — 2016
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 368,901,000 | 368,371,000 | 368,956,000 | 379,440,000 |
| Total loans | 279,113,000 | 287,397,000 | 287,951,000 | 295,061,000 |
| Allowance for loan losses | 3,326,000 | 3,380,000 | 3,316,000 | 3,395,000 |
| Securities available for sale | 67,906,000 | 68,494,000 | 69,103,000 | 72,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,018,000 | 308,013,000 | 315,286,000 | 316,126,000 |
| Interest-bearing deposits | 292,529,000 | 284,392,000 | 292,697,000 | 291,995,000 |
| Noninterest-bearing deposits | 27,489,000 | 23,621,000 | 22,589,000 | 24,131,000 |
| Equity capital | 33,355,000 | 34,066,000 | 34,233,000 | 33,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,202,000 | 6,526,000 | 9,912,000 | 13,327,000 |
| Interest expense | 437,000 | 889,000 | 1,352,000 | 1,844,000 |
| Net interest income | 2,765,000 | 5,637,000 | 8,560,000 | 11,483,000 |
| Noninterest income | 266,000 | 567,000 | 912,000 | 1,186,000 |
| Noninterest expense | 1,608,000 | 3,339,000 | 4,994,000 | 6,703,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 250,000 |
| Pretax income | 1,348,000 | 2,724,000 | 4,312,000 | 5,725,000 |
| Income tax | 68,000 | 137,000 | 216,000 | 243,000 |
| Net income | 1,280,000 | 2,587,000 | 4,096,000 | 5,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,771,000 | 33,104,000 | 33,539,000 | 34,024,000 |
| Total capital | 36,097,000 | 36,484,000 | 36,855,000 | 37,419,000 |
| Risk-weighted assets | 289,011,000 | 301,129,000 | 304,713,000 | 311,944,000 |