Call reports 2009
FARMERS TRUST AND SAVINGS BANK — 2009
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 101,424,000 | 102,217,000 | 104,072,000 | 105,424,000 |
| Total loans | 75,109,000 | 74,028,000 | 73,808,000 | 73,738,000 |
| Allowance for loan losses | 919,000 | 891,000 | 859,000 | 785,000 |
| Securities available for sale | 18,408,000 | 22,558,000 | 24,802,000 | 24,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,766,000 | 72,770,000 | 70,280,000 | 76,381,000 |
| Interest-bearing deposits | 58,521,000 | 60,295,000 | 57,926,000 | 61,322,000 |
| Noninterest-bearing deposits | 13,245,000 | 12,475,000 | 12,354,000 | 15,059,000 |
| Equity capital | 19,615,000 | 19,626,000 | 20,464,000 | 20,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,442,000 | 2,907,000 | 4,353,000 | 5,798,000 |
| Interest expense | 430,000 | 840,000 | 1,188,000 | 1,519,000 |
| Net interest income | 1,012,000 | 2,067,000 | 3,165,000 | 4,279,000 |
| Noninterest income | 194,000 | 368,000 | 535,000 | 727,000 |
| Noninterest expense | 525,000 | 1,085,000 | 1,598,000 | 2,262,000 |
| Provision for loan losses | 0 | 350,000 | 350,000 | 550,000 |
| Pretax income | 700,000 | 1,019,000 | 1,771,000 | 2,213,000 |
| Income tax | 34,000 | 50,000 | 86,000 | 102,000 |
| Net income | 666,000 | 969,000 | 1,685,000 | 2,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,406,000 | 19,474,000 | 19,954,000 | 20,381,000 |
| Total capital | 20,325,000 | 20,365,000 | 20,813,000 | 21,166,000 |
| Risk-weighted assets | 73,606,000 | 74,141,000 | 75,196,000 | 76,701,000 |