Call reports 2015
FARMERS TRUST & SAVINGS BANK — 2015
What FARMERS TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 252,604,000 | 257,037,000 | 249,430,000 | 257,410,000 |
| Total loans | 230,129,000 | 229,971,000 | 225,067,000 | 226,405,000 |
| Allowance for loan losses | 2,621,000 | 2,636,000 | 2,723,000 | 2,752,000 |
| Securities available for sale | 2,458,000 | 2,436,000 | 2,456,000 | 2,429,000 |
| Securities held to maturity | 4,031,000 | 4,015,000 | 4,012,000 | 3,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,925,000 | 193,248,000 | 207,417,000 | 210,050,000 |
| Interest-bearing deposits | 161,817,000 | 162,895,000 | 174,292,000 | 168,562,000 |
| Noninterest-bearing deposits | 34,108,000 | 30,353,000 | 33,125,000 | 41,488,000 |
| Equity capital | 25,354,000 | 25,673,000 | 25,960,000 | 26,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,568,000 | 5,251,000 | 7,904,000 | 10,507,000 |
| Interest expense | 394,000 | 784,000 | 1,176,000 | 1,574,000 |
| Net interest income | 2,174,000 | 4,467,000 | 6,728,000 | 8,933,000 |
| Noninterest income | 285,000 | 601,000 | 926,000 | 1,283,000 |
| Noninterest expense | 1,323,000 | 2,539,000 | 3,902,000 | 5,160,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,046,000 | 2,349,000 | 3,482,000 | 4,696,000 |
| Income tax | 49,000 | 112,000 | 178,000 | 233,000 |
| Net income | 997,000 | 2,237,000 | 3,304,000 | 4,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,252,000 | 24,598,000 | 24,873,000 | 25,262,000 |
| Total capital | 26,873,000 | 27,234,000 | 27,596,000 | 28,014,000 |
| Risk-weighted assets | 222,772,000 | 228,282,000 | 220,985,000 | 227,192,000 |