Call reports 2008
FARMERS TRUST & SAVINGS BANK — 2008
What FARMERS TRUST & SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 145,926,000 | 146,494,000 | 146,570,000 | 148,476,000 |
| Total loans | 118,654,000 | 122,890,000 | 123,795,000 | 123,317,000 |
| Allowance for loan losses | 1,459,000 | 1,463,000 | 1,451,000 | 1,441,000 |
| Securities available for sale | 13,369,000 | 11,078,000 | 9,729,000 | 8,485,000 |
| Securities held to maturity | 765,000 | 410,000 | 400,000 | 398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,286,000 | 103,873,000 | 103,791,000 | 110,076,000 |
| Interest-bearing deposits | 90,436,000 | 89,434,000 | 89,929,000 | 90,456,000 |
| Noninterest-bearing deposits | 14,850,000 | 14,439,000 | 13,862,000 | 19,620,000 |
| Equity capital | 13,876,000 | 13,775,000 | 13,882,000 | 14,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,303,000 | 4,617,000 | 6,879,000 | 9,067,000 |
| Interest expense | 943,000 | 1,821,000 | 2,628,000 | 3,381,000 |
| Net interest income | 1,360,000 | 2,796,000 | 4,251,000 | 5,686,000 |
| Noninterest income | 193,000 | 388,000 | 652,000 | 982,000 |
| Noninterest expense | 853,000 | 1,676,000 | 2,553,000 | 3,543,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 700,000 | 1,527,000 | 2,383,000 | 3,188,000 |
| Income tax | 34,000 | 74,000 | 113,000 | 152,000 |
| Net income | 666,000 | 1,453,000 | 2,270,000 | 3,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,827,000 | 13,010,000 | 13,158,000 | 13,405,000 |
| Total capital | 14,286,000 | 14,473,000 | 14,609,000 | 14,846,000 |
| Risk-weighted assets | 126,682,000 | 129,788,000 | 130,921,000 | 140,138,000 |