Call reports 2014
FARMERS TRUST & SAVINGS BANK — 2014
What FARMERS TRUST & SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 236,631,000 | 238,540,000 | 242,551,000 | 252,458,000 |
| Total loans | 211,771,000 | 215,986,000 | 217,470,000 | 227,387,000 |
| Allowance for loan losses | 2,287,000 | 2,378,000 | 2,451,000 | 2,528,000 |
| Securities available for sale | 3,583,000 | 3,096,000 | 3,097,000 | 2,439,000 |
| Securities held to maturity | 2,750,000 | 3,472,000 | 3,619,000 | 3,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,896,000 | 183,147,000 | 179,857,000 | 200,177,000 |
| Interest-bearing deposits | 156,375,000 | 152,769,000 | 150,338,000 | 161,898,000 |
| Noninterest-bearing deposits | 34,521,000 | 30,378,000 | 29,519,000 | 38,279,000 |
| Equity capital | 24,051,000 | 24,398,000 | 24,744,000 | 24,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,429,000 | 4,921,000 | 7,466,000 | 10,020,000 |
| Interest expense | 360,000 | 729,000 | 1,112,000 | 1,508,000 |
| Net interest income | 2,069,000 | 4,192,000 | 6,354,000 | 8,512,000 |
| Noninterest income | 254,000 | 510,000 | 881,000 | 1,274,000 |
| Noninterest expense | 1,232,000 | 2,384,000 | 3,708,000 | 5,020,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,001,000 | 2,138,000 | 3,257,000 | 4,406,000 |
| Income tax | 47,000 | 103,000 | 156,000 | 209,000 |
| Net income | 954,000 | 2,035,000 | 3,101,000 | 4,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,342,000 | 22,698,000 | 23,062,000 | 23,348,000 |
| Total capital | 24,629,000 | 25,076,000 | 25,513,000 | 25,876,000 |
| Risk-weighted assets | 204,940,000 | 207,172,000 | 209,531,000 | 219,264,000 |