Call reports 2025
FARMERS TRUST & SAVINGS BANK — 2025
What FARMERS TRUST & 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 | 144,367,000 | 145,918,000 | 140,831,000 | 143,695,000 |
| Total loans | 85,600,000 | 87,363,000 | 91,536,000 | 94,006,000 |
| Allowance for loan losses | 895,000 | 907,000 | 923,000 | 955,000 |
| Securities available for sale | 36,401,000 | 35,228,000 | 33,731,000 | 33,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,958,000 | 133,141,000 | 125,654,000 | 130,013,000 |
| Interest-bearing deposits | 106,636,000 | 107,657,000 | 101,513,000 | 103,258,000 |
| Noninterest-bearing deposits | 25,322,000 | 25,484,000 | 24,141,000 | 26,755,000 |
| Equity capital | 12,056,000 | 12,352,000 | 13,151,000 | 13,354,000 |
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 | 1,733,000 | 3,496,000 | 5,351,000 | 7,169,000 |
| Interest expense | 577,000 | 1,148,000 | 1,701,000 | 2,224,000 |
| Net interest income | 1,156,000 | 2,348,000 | 3,650,000 | 4,945,000 |
| Noninterest income | 87,000 | 183,000 | 282,000 | 354,000 |
| Noninterest expense | 739,000 | 1,451,000 | 2,174,000 | 2,904,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 55,000 |
| Pretax income | 504,000 | 1,070,000 | 1,733,000 | 2,339,000 |
| Income tax | 22,000 | 44,000 | 71,000 | 84,000 |
| Net income | 482,000 | 1,026,000 | 1,662,000 | 2,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,635,000 | 12,858,000 | 13,173,000 | 13,283,000 |
| Total capital | 13,530,000 | 13,764,000 | 14,095,000 | 14,237,000 |
| Risk-weighted assets | 96,932,000 | 97,348,000 | 95,469,000 | 96,095,000 |