Call reports 2008
FARMERS TRUST AND SAVINGS BANK — 2008
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 96,278,000 | 96,597,000 | 96,377,000 | 101,368,000 |
| Total loans | 72,931,000 | 72,013,000 | 73,844,000 | 74,843,000 |
| Allowance for loan losses | 876,000 | 804,000 | 768,000 | 962,000 |
| Securities available for sale | 16,607,000 | 18,202,000 | 17,295,000 | 16,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,111,000 | 66,358,000 | 64,476,000 | 71,597,000 |
| Interest-bearing deposits | 53,216,000 | 53,952,000 | 52,520,000 | 57,873,000 |
| Noninterest-bearing deposits | 11,895,000 | 12,406,000 | 11,956,000 | 13,724,000 |
| Equity capital | 18,428,000 | 18,619,000 | 19,282,000 | 19,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,162,000 | 4,709,000 | 6,204,000 |
| Interest expense | 589,000 | 1,099,000 | 1,549,000 | 1,997,000 |
| Net interest income | 1,024,000 | 2,063,000 | 3,160,000 | 4,207,000 |
| Noninterest income | 187,000 | 359,000 | 548,000 | 747,000 |
| Noninterest expense | 487,000 | 961,000 | 1,448,000 | 2,123,000 |
| Provision for loan losses | 0 | 0 | 0 | 375,000 |
| Pretax income | 724,000 | 1,461,000 | 2,260,000 | 2,456,000 |
| Income tax | 35,000 | 72,000 | 111,000 | 111,000 |
| Net income | 689,000 | 1,389,000 | 2,149,000 | 2,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,202,000 | 18,711,000 | 19,276,000 | 19,142,000 |
| Total capital | 19,078,000 | 19,515,000 | 20,044,000 | 20,051,000 |
| Risk-weighted assets | 70,367,000 | 69,689,000 | 71,038,000 | 72,661,000 |