Call reports 2010
FARMERS TRUST AND SAVINGS BANK — 2010
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 103,533,000 | 108,670,000 | 117,683,000 | 124,516,000 |
| Total loans | 73,465,000 | 74,422,000 | 74,660,000 | 74,714,000 |
| Allowance for loan losses | 755,000 | 763,000 | 731,000 | 773,000 |
| Securities available for sale | 23,282,000 | 28,605,000 | 36,695,000 | 41,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,246,000 | 74,712,000 | 81,427,000 | 91,576,000 |
| Interest-bearing deposits | 61,655,000 | 63,090,000 | 69,672,000 | 76,252,000 |
| Noninterest-bearing deposits | 12,591,000 | 11,622,000 | 11,755,000 | 15,324,000 |
| Equity capital | 21,603,000 | 22,233,000 | 22,916,000 | 22,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,440,000 | 2,843,000 | 4,248,000 | 5,723,000 |
| Interest expense | 307,000 | 609,000 | 899,000 | 1,204,000 |
| Net interest income | 1,133,000 | 2,234,000 | 3,349,000 | 4,519,000 |
| Noninterest income | 188,000 | 379,000 | 564,000 | 768,000 |
| Noninterest expense | 551,000 | 1,133,000 | 1,706,000 | 2,461,000 |
| Provision for loan losses | 0 | 0 | 0 | 125,000 |
| Pretax income | 865,000 | 1,569,000 | 2,379,000 | 2,881,000 |
| Income tax | 43,000 | 77,000 | 121,000 | 131,000 |
| Net income | 822,000 | 1,492,000 | 2,258,000 | 2,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,203,000 | 21,618,000 | 22,234,000 | 22,226,000 |
| Total capital | 21,958,000 | 22,381,000 | 22,965,000 | 22,999,000 |
| Risk-weighted assets | 76,904,000 | 78,147,000 | 79,002,000 | 79,953,000 |