Call reports 2004
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2004
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 125,920,000 | 129,953,000 | 129,918,000 | 158,726,000 |
| Total loans | 63,737,000 | 66,828,000 | 64,844,000 | 78,050,000 |
| Allowance for loan losses | 984,000 | 968,000 | 891,000 | 1,162,000 |
| Securities available for sale | 50,731,000 | 46,785,000 | 42,151,000 | 61,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,843,000 | 118,759,000 | 117,726,000 | 143,152,000 |
| Interest-bearing deposits | 105,106,000 | 108,316,000 | 108,289,000 | 125,683,000 |
| Noninterest-bearing deposits | 8,737,000 | 10,444,000 | 9,437,000 | 17,469,000 |
| Equity capital | 11,730,000 | 10,884,000 | 11,763,000 | 15,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,525,000 | 3,044,000 | 4,526,000 | 7,102,000 |
| Interest expense | 455,000 | 874,000 | 1,287,000 | 1,922,000 |
| Net interest income | 1,070,000 | 2,170,000 | 3,239,000 | 5,180,000 |
| Noninterest income | 178,000 | 382,000 | 607,000 | 824,000 |
| Noninterest expense | 729,000 | 1,373,000 | 2,150,000 | 3,639,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 216,000 |
| Pretax income | 622,000 | 1,229,000 | 1,727,000 | 2,315,000 |
| Income tax | 222,000 | 488,000 | 721,000 | 708,000 |
| Net income | 400,000 | 741,000 | 1,006,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,434,000 | 11,648,000 | 11,785,000 | 15,441,000 |
| Total capital | 12,399,000 | 12,616,000 | 12,676,000 | 16,603,000 |
| Risk-weighted assets | 77,185,000 | 81,316,000 | 78,612,000 | 94,221,000 |
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