Call reports 2013
FARMERS TRUST AND SAVINGS BANK — 2013
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 130,867,000 | 135,731,000 | 133,044,000 | 133,835,000 |
| Total loans | 66,536,000 | 67,517,000 | 67,675,000 | 70,991,000 |
| Allowance for loan losses | 687,000 | 690,000 | 687,000 | 677,000 |
| Securities available for sale | 56,476,000 | 60,276,000 | 58,809,000 | 56,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,366,000 | 88,365,000 | 87,049,000 | 90,811,000 |
| Interest-bearing deposits | 71,124,000 | 70,547,000 | 69,784,000 | 72,311,000 |
| Noninterest-bearing deposits | 19,242,000 | 17,818,000 | 17,265,000 | 18,500,000 |
| Equity capital | 26,632,000 | 25,309,000 | 26,207,000 | 26,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,149,000 | 2,291,000 | 3,434,000 | 4,654,000 |
| Interest expense | 147,000 | 278,000 | 406,000 | 527,000 |
| Net interest income | 1,002,000 | 2,013,000 | 3,028,000 | 4,127,000 |
| Noninterest income | 195,000 | 373,000 | 535,000 | 711,000 |
| Noninterest expense | 617,000 | 1,239,000 | 1,855,000 | 2,749,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 634,000 | 1,207,000 | 1,760,000 | 2,146,000 |
| Income tax | 31,000 | 59,000 | 86,000 | 102,000 |
| Net income | 603,000 | 1,148,000 | 1,674,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,694,000 | 26,014,000 | 26,295,000 | 26,456,000 |
| Total capital | 26,381,000 | 26,704,000 | 26,982,000 | 27,133,000 |
| Risk-weighted assets | 79,086,000 | 80,626,000 | 79,820,000 | 83,006,000 |