Call reports 2016
FARMERS TRUST & SAVINGS BANK — 2016
What FARMERS TRUST & SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 255,403,000 | 249,400,000 | 247,372,000 | 253,563,000 |
| Total loans | 227,530,000 | 220,804,000 | 217,384,000 | 215,472,000 |
| Allowance for loan losses | 2,841,000 | 2,931,000 | 2,991,000 | 2,911,000 |
| Securities available for sale | 2,187,000 | 2,198,000 | 2,182,000 | 2,148,000 |
| Securities held to maturity | 3,708,000 | 3,706,000 | 3,704,000 | 3,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,350,000 | 205,985,000 | 206,873,000 | 215,656,000 |
| Interest-bearing deposits | 176,057,000 | 171,782,000 | 171,361,000 | 173,179,000 |
| Noninterest-bearing deposits | 36,293,000 | 34,203,000 | 35,512,000 | 42,477,000 |
| Equity capital | 26,690,000 | 26,927,000 | 27,235,000 | 27,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,662,000 | 5,341,000 | 7,989,000 | 10,559,000 |
| Interest expense | 374,000 | 741,000 | 1,108,000 | 1,477,000 |
| Net interest income | 2,288,000 | 4,600,000 | 6,881,000 | 9,082,000 |
| Noninterest income | 296,000 | 626,000 | 946,000 | 1,330,000 |
| Noninterest expense | 1,320,000 | 2,635,000 | 4,021,000 | 5,386,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,174,000 | 2,411,000 | 3,536,000 | 4,666,000 |
| Income tax | 39,000 | 101,000 | 154,000 | 205,000 |
| Net income | 1,135,000 | 2,310,000 | 3,382,000 | 4,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,631,000 | 25,866,000 | 26,053,000 | 26,398,000 |
| Total capital | 28,432,000 | 28,543,000 | 28,652,000 | 29,063,000 |
| Risk-weighted assets | 224,056,000 | 213,922,000 | 207,562,000 | 212,919,000 |