Call reports 2016
1ST TRUST BANK, INC. — 2016
What 1ST TRUST BANK, INC. 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 | 218,699,000 | 205,428,000 | 253,435,000 | 239,352,000 |
| Total loans | 174,088,000 | 176,984,000 | 183,688,000 | 191,197,000 |
| Allowance for loan losses | 1,088,000 | 1,240,000 | 1,389,000 | 1,494,000 |
| Securities available for sale | 6,024,000 | 6,013,000 | 7,384,000 | 7,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,732,000 | 178,337,000 | 225,936,000 | 217,047,000 |
| Interest-bearing deposits | 136,036,000 | 141,136,000 | 163,431,000 | 173,220,000 |
| Noninterest-bearing deposits | 56,696,000 | 37,201,000 | 62,505,000 | 43,827,000 |
| Equity capital | 18,119,000 | 18,407,000 | 18,715,000 | 18,696,000 |
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 | 1,961,000 | 4,048,000 | 6,213,000 | 8,436,000 |
| Interest expense | 273,000 | 564,000 | 872,000 | 1,241,000 |
| Net interest income | 1,688,000 | 3,484,000 | 5,341,000 | 7,195,000 |
| Noninterest income | 162,000 | 373,000 | 560,000 | 448,000 |
| Noninterest expense | 1,383,000 | 2,818,000 | 4,225,000 | 5,631,000 |
| Provision for loan losses | 200,000 | 350,000 | 500,000 | 821,000 |
| Pretax income | 267,000 | 689,000 | 1,176,000 | 1,191,000 |
| Income tax | 89,000 | 233,000 | 402,000 | 405,000 |
| Net income | 178,000 | 456,000 | 774,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,119,000 | 18,407,000 | 18,703,000 | 18,696,000 |
| Total capital | 19,207,000 | 19,647,000 | 20,092,000 | 20,190,000 |
| Risk-weighted assets | 173,102,000 | 171,204,000 | 185,343,000 | 187,368,000 |