Call reports 2025
FARMERS TRUST AND SAVINGS BANK — 2025
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 618,915,000 | 601,558,000 | 616,150,000 | 630,357,000 |
| Total loans | 513,598,000 | 499,496,000 | 496,831,000 | 498,224,000 |
| Allowance for loan losses | 6,095,000 | 6,279,000 | 6,065,000 | 5,529,000 |
| Securities available for sale | 80,732,000 | 81,104,000 | 86,052,000 | 95,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,340,000 | 520,708,000 | 553,419,000 | 569,246,000 |
| Interest-bearing deposits | 516,008,000 | 496,627,000 | 528,889,000 | 546,085,000 |
| Noninterest-bearing deposits | 25,332,000 | 24,081,000 | 24,530,000 | 23,161,000 |
| Equity capital | 49,941,000 | 52,008,000 | 54,235,000 | 55,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,057,000 | 16,216,000 | 24,270,000 | 32,552,000 |
| Interest expense | 4,444,000 | 8,635,000 | 12,871,000 | 16,960,000 |
| Net interest income | 3,613,000 | 7,581,000 | 11,399,000 | 15,592,000 |
| Noninterest income | 200,000 | 592,000 | 795,000 | 1,126,000 |
| Noninterest expense | 2,531,000 | 5,025,000 | 7,484,000 | 9,886,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,263,000 | 3,123,000 | 4,627,000 | 6,747,000 |
| Income tax | 51,000 | 125,000 | 187,000 | 219,000 |
| Net income | 1,212,000 | 2,998,000 | 4,440,000 | 6,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,123,000 | 56,473,000 | 57,488,000 | 58,113,000 |
| Total capital | 61,408,000 | 62,945,000 | 63,793,000 | 63,885,000 |
| Risk-weighted assets | 535,369,000 | 523,013,000 | 526,783,000 | 522,331,000 |