Call reports 2005
FARMERS TRUST & SAVINGS BANK — 2005
What FARMERS TRUST & SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 116,448,000 | 119,775,000 | 123,475,000 | 121,541,000 |
| Total loans | 94,419,000 | 99,819,000 | 103,855,000 | 99,056,000 |
| Allowance for loan losses | 1,305,000 | 1,315,000 | 1,316,000 | 1,332,000 |
| Securities available for sale | 7,306,000 | 6,561,000 | 6,972,000 | 7,230,000 |
| Securities held to maturity | 1,305,000 | 1,135,000 | 1,136,000 | 1,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,966,000 | 87,163,000 | 83,662,000 | 92,249,000 |
| Interest-bearing deposits | 77,753,000 | 76,084,000 | 73,020,000 | 76,397,000 |
| Noninterest-bearing deposits | 12,213,000 | 11,079,000 | 10,642,000 | 15,852,000 |
| Equity capital | 12,333,000 | 12,423,000 | 12,479,000 | 12,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,573,000 | 3,263,000 | 5,065,000 | 6,933,000 |
| Interest expense | 485,000 | 1,066,000 | 1,740,000 | 2,445,000 |
| Net interest income | 1,088,000 | 2,197,000 | 3,325,000 | 4,488,000 |
| Noninterest income | 166,000 | 337,000 | 568,000 | 781,000 |
| Noninterest expense | 751,000 | 1,467,000 | 2,217,000 | 3,045,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 165,000 |
| Pretax income | 473,000 | 992,000 | 1,553,000 | 2,056,000 |
| Income tax | 22,000 | 49,000 | 76,000 | 101,000 |
| Net income | 451,000 | 943,000 | 1,477,000 | 1,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,661,000 | 11,733,000 | 11,825,000 | 11,959,000 |
| Total capital | 12,957,000 | 13,048,000 | 13,141,000 | 13,291,000 |
| Risk-weighted assets | 103,586,000 | 106,851,000 | 110,457,000 | 106,180,000 |