Call reports 2016
FARMERS TRUST & SAVINGS BANK — 2016
What FARMERS TRUST & 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 | 91,468,000 | 90,287,000 | 86,076,000 | 87,250,000 |
| Total loans | 72,516,000 | 69,329,000 | 72,501,000 | 71,875,000 |
| Allowance for loan losses | 747,000 | 775,000 | 794,000 | 812,000 |
| Securities available for sale | 3,051,000 | 3,940,000 | 2,515,000 | 2,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,294,000 | 81,019,000 | 76,728,000 | 77,261,000 |
| Interest-bearing deposits | 63,289,000 | 63,612,000 | 60,540,000 | 60,096,000 |
| Noninterest-bearing deposits | 19,005,000 | 17,408,000 | 16,188,000 | 17,166,000 |
| Equity capital | 9,010,000 | 9,072,000 | 9,136,000 | 8,892,000 |
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 | 901,000 | 1,762,000 | 2,635,000 | 3,508,000 |
| Interest expense | 49,000 | 96,000 | 147,000 | 197,000 |
| Net interest income | 852,000 | 1,666,000 | 2,488,000 | 3,311,000 |
| Noninterest income | 109,000 | 238,000 | 362,000 | 486,000 |
| Noninterest expense | 588,000 | 1,179,000 | 1,768,000 | 2,391,000 |
| Provision for loan losses | 45,000 | 70,000 | 85,000 | 100,000 |
| Pretax income | 328,000 | 655,000 | 997,000 | 1,306,000 |
| Income tax | 17,000 | 33,000 | 50,000 | 65,000 |
| Net income | 311,000 | 622,000 | 947,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,995,000 | 9,053,000 | 9,121,000 | 8,895,000 |
| Total capital | 9,742,000 | 9,828,000 | 9,915,000 | 9,707,000 |
| Risk-weighted assets | 73,869,000 | 70,961,000 | 73,521,000 | 73,405,000 |