Call reports 2018
FARMERS TRUST AND SAVINGS BANK — 2018
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 423,411,000 | 420,372,000 | 429,300,000 | 436,231,000 |
| Total loans | 322,289,000 | 345,077,000 | 352,966,000 | 362,516,000 |
| Allowance for loan losses | 4,174,000 | 3,873,000 | 4,079,000 | 4,039,000 |
| Securities available for sale | 67,558,000 | 63,592,000 | 62,883,000 | 60,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,080,000 | 366,232,000 | 375,453,000 | 380,211,000 |
| Interest-bearing deposits | 349,304,000 | 341,154,000 | 348,433,000 | 351,001,000 |
| Noninterest-bearing deposits | 23,776,000 | 25,078,000 | 27,020,000 | 29,210,000 |
| Equity capital | 35,442,000 | 36,135,000 | 36,512,000 | 37,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,878,000 | 8,171,000 | 12,595,000 | 17,216,000 |
| Interest expense | 876,000 | 1,902,000 | 3,055,000 | 4,378,000 |
| Net interest income | 3,002,000 | 6,269,000 | 9,540,000 | 12,838,000 |
| Noninterest income | 194,000 | 441,000 | 670,000 | 914,000 |
| Noninterest expense | 1,820,000 | 3,646,000 | 5,492,000 | 7,415,000 |
| Provision for loan losses | 25,000 | 100,000 | 315,000 | 465,000 |
| Pretax income | 1,351,000 | 2,964,000 | 4,403,000 | 5,872,000 |
| Income tax | 68,000 | 149,000 | 221,000 | 247,000 |
| Net income | 1,283,000 | 2,815,000 | 4,182,000 | 5,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,224,000 | 36,946,000 | 37,512,000 | 38,566,000 |
| Total capital | 40,398,000 | 40,819,000 | 41,591,000 | 42,605,000 |
| Risk-weighted assets | 347,470,000 | 370,188,000 | 378,823,000 | 390,622,000 |