Call reports 2013
FARMERS TRUST & SAVINGS BANK — 2013
What FARMERS TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 221,131,000 | 233,941,000 | 230,294,000 | 243,241,000 |
| Total loans | 190,600,000 | 207,501,000 | 203,318,000 | 219,060,000 |
| Allowance for loan losses | 1,974,000 | 2,065,000 | 2,115,000 | 2,211,000 |
| Securities available for sale | 4,829,000 | 4,716,000 | 4,392,000 | 4,061,000 |
| Securities held to maturity | 2,836,000 | 2,799,000 | 2,797,000 | 2,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,308,000 | 170,105,000 | 184,388,000 | 186,506,000 |
| Interest-bearing deposits | 142,555,000 | 140,442,000 | 152,056,000 | 147,731,000 |
| Noninterest-bearing deposits | 35,753,000 | 29,663,000 | 32,332,000 | 38,775,000 |
| Equity capital | 23,118,000 | 23,094,000 | 23,423,000 | 23,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,258,000 | 4,702,000 | 7,163,000 | 9,627,000 |
| Interest expense | 380,000 | 745,000 | 1,057,000 | 1,484,000 |
| Net interest income | 1,878,000 | 3,957,000 | 6,106,000 | 8,143,000 |
| Noninterest income | 264,000 | 506,000 | 881,000 | 1,258,000 |
| Noninterest expense | 1,255,000 | 2,458,000 | 3,767,000 | 4,958,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 797,000 | 1,825,000 | 2,950,000 | 4,083,000 |
| Income tax | 39,000 | 87,000 | 142,000 | 192,000 |
| Net income | 758,000 | 1,738,000 | 2,808,000 | 3,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,195,000 | 21,286,000 | 21,655,000 | 22,017,000 |
| Total capital | 23,169,000 | 23,351,000 | 23,770,000 | 24,228,000 |
| Risk-weighted assets | 185,651,000 | 202,417,000 | 205,731,000 | 219,887,000 |