Call reports 2020
FARMERS TRUST & SAVINGS BANK — 2020
What FARMERS TRUST & SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 261,197,000 | 268,932,000 | 267,152,000 | 274,560,000 |
| Total loans | 231,959,000 | 239,448,000 | 232,974,000 | 230,170,000 |
| Allowance for loan losses | 3,972,000 | 4,148,000 | 4,388,000 | 4,389,000 |
| Securities available for sale | 1,053,000 | 502,000 | 502,000 | 502,000 |
| Securities held to maturity | 1,534,000 | 1,534,000 | 1,534,000 | 1,384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,895,000 | 223,888,000 | 224,014,000 | 226,376,000 |
| Interest-bearing deposits | 176,292,000 | 175,929,000 | 176,969,000 | 171,015,000 |
| Noninterest-bearing deposits | 40,603,000 | 47,959,000 | 47,045,000 | 55,361,000 |
| Equity capital | 33,741,000 | 34,077,000 | 34,324,000 | 34,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,995,000 | 5,940,000 | 8,797,000 | 11,531,000 |
| Interest expense | 565,000 | 1,055,000 | 1,499,000 | 1,869,000 |
| Net interest income | 2,430,000 | 4,885,000 | 7,298,000 | 9,662,000 |
| Noninterest income | 317,000 | 618,000 | 906,000 | 1,227,000 |
| Noninterest expense | 1,474,000 | 2,889,000 | 4,360,000 | 5,879,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 675,000 |
| Pretax income | 1,048,000 | 2,164,000 | 3,169,000 | 4,335,000 |
| Income tax | 50,000 | 102,000 | 158,000 | 195,000 |
| Net income | 998,000 | 2,062,000 | 3,011,000 | 4,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,643,000 | 33,003,000 | 33,273,000 | 33,699,000 |