Call reports 2016
FARMERS TRUST AND SAVINGS BANK — 2016
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,939,000 | 137,173,000 | 138,074,000 | 137,256,000 |
| Total loans | 79,940,000 | 80,072,000 | 82,393,000 | 82,916,000 |
| Allowance for loan losses | 685,000 | 682,000 | 688,000 | 689,000 |
| Securities available for sale | 47,586,000 | 49,674,000 | 47,765,000 | 46,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,190,000 | 86,228,000 | 85,430,000 | 89,809,000 |
| Interest-bearing deposits | 73,717,000 | 70,225,000 | 67,222,000 | 70,915,000 |
| Noninterest-bearing deposits | 16,473,000 | 16,003,000 | 18,208,000 | 18,894,000 |
| Equity capital | 30,812,000 | 31,867,000 | 32,117,000 | 30,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,307,000 | 2,618,000 | 3,944,000 | 5,278,000 |
| Interest expense | 91,000 | 187,000 | 284,000 | 379,000 |
| Net interest income | 1,216,000 | 2,431,000 | 3,660,000 | 4,899,000 |
| Noninterest income | 190,000 | 351,000 | 514,000 | 718,000 |
| Noninterest expense | 635,000 | 1,266,000 | 1,915,000 | 2,834,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 827,000 | 1,578,000 | 2,481,000 | 3,005,000 |
| Income tax | 41,000 | 77,000 | 121,000 | 145,000 |
| Net income | 786,000 | 1,501,000 | 2,360,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,898,000 | 30,363,000 | 30,962,000 | 31,197,000 |
| Total capital | 30,583,000 | 31,045,000 | 31,650,000 | 31,886,000 |
| Risk-weighted assets | 92,412,000 | 93,136,000 | 93,901,000 | 93,892,000 |