Call reports 2019
FARMERS TRUST AND SAVINGS BANK — 2019
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 446,658,000 | 444,144,000 | 457,506,000 | 454,060,000 |
| Total loans | 366,713,000 | 372,368,000 | 380,787,000 | 380,001,000 |
| Allowance for loan losses | 4,456,000 | 4,748,000 | 4,982,000 | 4,626,000 |
| Securities available for sale | 60,875,000 | 59,631,000 | 62,656,000 | 62,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,908,000 | 381,390,000 | 394,129,000 | 391,027,000 |
| Interest-bearing deposits | 368,275,000 | 356,352,000 | 369,256,000 | 365,552,000 |
| Noninterest-bearing deposits | 24,633,000 | 25,038,000 | 24,873,000 | 25,475,000 |
| Equity capital | 38,729,000 | 39,771,000 | 40,701,000 | 41,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,734,000 | 9,654,000 | 14,728,000 | 19,783,000 |
| Interest expense | 1,457,000 | 2,972,000 | 4,495,000 | 5,906,000 |
| Net interest income | 3,277,000 | 6,682,000 | 10,233,000 | 13,877,000 |
| Noninterest income | 197,000 | 446,000 | 692,000 | 962,000 |
| Noninterest expense | 1,952,000 | 3,871,000 | 5,824,000 | 7,780,000 |
| Provision for loan losses | 420,000 | 715,000 | 940,000 | 1,108,000 |
| Pretax income | 1,096,000 | 2,542,000 | 4,161,000 | 5,952,000 |
| Income tax | 55,000 | 127,000 | 208,000 | 239,000 |
| Net income | 1,041,000 | 2,415,000 | 3,953,000 | 5,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,812,000 | 39,402,000 | 40,038,000 | 40,944,000 |
| Total capital | 43,268,000 | 44,150,000 | 45,020,000 | 45,570,000 |
| Risk-weighted assets | 391,238,000 | 393,353,000 | 402,739,000 | 399,642,000 |