Call reports 2015
1ST TRUST BANK, INC. — 2015
What 1ST TRUST BANK, INC. 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 | 190,125,000 | 194,519,000 | 197,989,000 | 204,562,000 |
| Total loans | 151,872,000 | 157,852,000 | 165,323,000 | 170,227,000 |
| Allowance for loan losses | 955,000 | 968,000 | 1,060,000 | 1,084,000 |
| Securities available for sale | 5,618,000 | 5,591,000 | 5,577,000 | 6,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,337,000 | 169,508,000 | 171,526,000 | 177,860,000 |
| Interest-bearing deposits | 129,441,000 | 124,841,000 | 129,456,000 | 130,830,000 |
| Noninterest-bearing deposits | 42,896,000 | 44,667,000 | 42,070,000 | 47,031,000 |
| Equity capital | 16,906,000 | 17,273,000 | 17,677,000 | 17,903,000 |
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 | 1,848,000 | 3,774,000 | 5,746,000 | 7,653,000 |
| Interest expense | 263,000 | 524,000 | 784,000 | 1,052,000 |
| Net interest income | 1,585,000 | 3,250,000 | 4,962,000 | 6,601,000 |
| Noninterest income | 187,000 | 403,000 | 570,000 | 727,000 |
| Noninterest expense | 1,209,000 | 2,487,000 | 3,790,000 | 5,081,000 |
| Provision for loan losses | 80,000 | 170,000 | 260,000 | 420,000 |
| Pretax income | 483,000 | 996,000 | 1,482,000 | 1,827,000 |
| Income tax | 164,000 | 332,000 | 493,000 | 621,000 |
| Net income | 319,000 | 664,000 | 989,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,886,000 | 17,254,000 | 17,656,000 | 17,897,000 |
| Total capital | 17,841,000 | 18,222,000 | 18,715,000 | 18,981,000 |
| Risk-weighted assets | 151,714,000 | 157,381,000 | 163,256,000 | 166,900,000 |