Call reports 2015
FARMERS TRUST & SAVINGS BANK — 2015
What FARMERS TRUST & 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 | 96,803,000 | 90,448,000 | 90,946,000 | 93,161,000 |
| Total loans | 73,906,000 | 73,983,000 | 76,469,000 | 77,628,000 |
| Allowance for loan losses | 907,000 | 924,000 | 743,000 | 662,000 |
| Securities available for sale | 4,260,000 | 3,889,000 | 3,875,000 | 3,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,814,000 | 81,425,000 | 81,864,000 | 84,104,000 |
| Interest-bearing deposits | 67,423,000 | 65,207,000 | 61,555,000 | 62,786,000 |
| Noninterest-bearing deposits | 20,391,000 | 16,219,000 | 20,308,000 | 21,318,000 |
| Equity capital | 8,822,000 | 8,832,000 | 8,891,000 | 8,945,000 |
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 | 887,000 | 1,749,000 | 2,655,000 | 3,564,000 |
| Interest expense | 55,000 | 107,000 | 160,000 | 211,000 |
| Net interest income | 832,000 | 1,642,000 | 2,495,000 | 3,353,000 |
| Noninterest income | 106,000 | 224,000 | 324,000 | 447,000 |
| Noninterest expense | 560,000 | 1,131,000 | 1,690,000 | 2,278,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 80,000 |
| Pretax income | 363,000 | 705,000 | 1,084,000 | 1,442,000 |
| Income tax | 18,000 | 35,000 | 54,000 | 72,000 |
| Net income | 345,000 | 670,000 | 1,030,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,828,000 | 8,839,000 | 8,886,000 | 8,939,000 |
| Total capital | 9,735,000 | 9,763,000 | 9,629,000 | 9,601,000 |
| Risk-weighted assets | 80,099,000 | 78,814,000 | 81,111,000 | 80,639,000 |