Call reports 2025
FARMERS TRUST & SAVINGS BANK — 2025
What FARMERS TRUST & SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 355,292,000 | 352,054,000 | 348,042,000 | 368,610,000 |
| Total loans | 320,058,000 | 315,948,000 | 311,164,000 | 319,766,000 |
| Allowance for loan losses | 5,075,000 | 5,101,000 | 5,122,000 | 5,171,000 |
| Securities available for sale | 20,770,000 | 20,789,000 | 20,816,000 | 20,799,000 |
| Securities held to maturity | 7,000 | 7,000 | 7,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,499,000 | 300,015,000 | 297,266,000 | 310,947,000 |
| Interest-bearing deposits | 246,432,000 | 245,478,000 | 239,881,000 | 245,685,000 |
| Noninterest-bearing deposits | 60,067,000 | 54,537,000 | 57,385,000 | 65,262,000 |
| Equity capital | 40,376,000 | 40,690,000 | 41,089,000 | 41,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,560,000 | 9,404,000 | 14,417,000 | 19,193,000 |
| Interest expense | 1,893,000 | 3,812,000 | 5,637,000 | 7,332,000 |
| Net interest income | 2,667,000 | 5,592,000 | 8,780,000 | 11,861,000 |
| Noninterest income | 324,000 | 686,000 | 1,044,000 | 1,599,000 |
| Noninterest expense | 1,903,000 | 3,871,000 | 5,985,000 | 8,286,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 90,000 |
| Pretax income | 1,093,000 | 2,384,000 | 3,776,000 | 5,085,000 |
| Income tax | 30,000 | 58,000 | 95,000 | 128,000 |
| Net income | 1,063,000 | 2,326,000 | 3,681,000 | 4,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,597,000 | 39,926,000 | 40,316,000 | 40,649,000 |