Call reports 2014
FARMERS TRUST AND SAVINGS BANK — 2014
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 137,533,000 | 140,858,000 | 140,122,000 | 135,563,000 |
| Total loans | 73,071,000 | 75,072,000 | 75,569,000 | 78,616,000 |
| Allowance for loan losses | 675,000 | 676,000 | 706,000 | 673,000 |
| Securities available for sale | 57,371,000 | 58,711,000 | 57,005,000 | 50,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,860,000 | 89,000,000 | 85,609,000 | 88,330,000 |
| Interest-bearing deposits | 73,464,000 | 70,144,000 | 67,106,000 | 69,753,000 |
| Noninterest-bearing deposits | 20,396,000 | 18,856,000 | 18,503,000 | 18,577,000 |
| Equity capital | 26,970,000 | 27,906,000 | 28,377,000 | 28,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,271,000 | 2,590,000 | 3,917,000 | 5,236,000 |
| Interest expense | 114,000 | 226,000 | 336,000 | 437,000 |
| Net interest income | 1,157,000 | 2,364,000 | 3,581,000 | 4,799,000 |
| Noninterest income | 171,000 | 331,000 | 500,000 | 698,000 |
| Noninterest expense | 643,000 | 1,244,000 | 1,865,000 | 2,801,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 705,000 | 1,506,000 | 2,286,000 | 2,908,000 |
| Income tax | 35,000 | 74,000 | 112,000 | 141,000 |
| Net income | 670,000 | 1,432,000 | 2,174,000 | 2,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,776,000 | 27,313,000 | 27,795,000 | 28,038,000 |
| Total capital | 27,451,000 | 27,989,000 | 28,501,000 | 28,711,000 |
| Risk-weighted assets | 84,699,000 | 87,415,000 | 86,801,000 | 87,361,000 |