Call reports 2012
FARMERS TRUST AND SAVINGS BANK — 2012
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 132,742,000 | 138,399,000 | 140,344,000 | 142,813,000 |
| Total loans | 71,988,000 | 69,777,000 | 67,270,000 | 68,815,000 |
| Allowance for loan losses | 687,000 | 666,000 | 664,000 | 687,000 |
| Securities available for sale | 54,044,000 | 61,501,000 | 65,364,000 | 66,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,873,000 | 88,956,000 | 85,699,000 | 92,347,000 |
| Interest-bearing deposits | 73,416,000 | 73,432,000 | 70,198,000 | 73,743,000 |
| Noninterest-bearing deposits | 17,457,000 | 15,524,000 | 15,501,000 | 18,604,000 |
| Equity capital | 25,271,000 | 25,683,000 | 26,659,000 | 26,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,708,000 | 3,975,000 | 5,202,000 |
| Interest expense | 200,000 | 390,000 | 573,000 | 748,000 |
| Net interest income | 1,164,000 | 2,318,000 | 3,402,000 | 4,454,000 |
| Noninterest income | 170,000 | 344,000 | 517,000 | 724,000 |
| Noninterest expense | 560,000 | 1,121,000 | 1,707,000 | 2,608,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 901,000 | 1,767,000 | 2,437,000 | 2,728,000 |
| Income tax | 45,000 | 87,000 | 120,000 | 126,000 |
| Net income | 856,000 | 1,680,000 | 2,317,000 | 2,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,382,000 | 24,903,000 | 25,272,000 | 25,357,000 |
| Total capital | 25,069,000 | 25,569,000 | 25,936,000 | 26,044,000 |
| Risk-weighted assets | 79,134,000 | 80,686,000 | 79,550,000 | 81,186,000 |