Call reports 2015
FARMERS TRUST AND SAVINGS BANK — 2015
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 135,434,000 | 139,230,000 | 139,076,000 | 139,955,000 |
| Total loans | 78,946,000 | 79,298,000 | 80,678,000 | 78,852,000 |
| Allowance for loan losses | 674,000 | 677,000 | 682,000 | 680,000 |
| Securities available for sale | 49,239,000 | 52,157,000 | 50,723,000 | 49,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,841,000 | 93,228,000 | 87,338,000 | 97,105,000 |
| Interest-bearing deposits | 71,434,000 | 74,530,000 | 70,588,000 | 79,936,000 |
| Noninterest-bearing deposits | 20,407,000 | 18,698,000 | 16,750,000 | 17,169,000 |
| Equity capital | 29,506,000 | 29,249,000 | 30,026,000 | 30,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,305,000 | 2,602,000 | 3,925,000 | 5,235,000 |
| Interest expense | 96,000 | 194,000 | 293,000 | 388,000 |
| Net interest income | 1,209,000 | 2,408,000 | 3,632,000 | 4,847,000 |
| Noninterest income | 158,000 | 319,000 | 474,000 | 656,000 |
| Noninterest expense | 631,000 | 1,263,000 | 1,898,000 | 2,849,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 753,000 | 1,540,000 | 2,344,000 | 2,790,000 |
| Income tax | 37,000 | 75,000 | 114,000 | 136,000 |
| Net income | 716,000 | 1,465,000 | 2,230,000 | 2,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,453,000 | 28,903,000 | 29,337,000 | 29,387,000 |
| Total capital | 29,127,000 | 29,580,000 | 30,019,000 | 30,067,000 |
| Risk-weighted assets | 88,538,000 | 89,706,000 | 92,395,000 | 91,273,000 |