Call reports 2006
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2006
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 153,396,000 | 161,236,000 | 164,227,000 | 168,260,000 |
| Total loans | 92,078,000 | 94,671,000 | 99,751,000 | 98,668,000 |
| Allowance for loan losses | 1,252,000 | 1,306,000 | 1,350,000 | 1,394,000 |
| Securities available for sale | 51,213,000 | 49,341,000 | 49,596,000 | 50,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,814,000 | 144,759,000 | 146,726,000 | 150,404,000 |
| Interest-bearing deposits | 122,102,000 | 123,944,000 | 130,488,000 | 129,877,000 |
| Noninterest-bearing deposits | 14,712,000 | 20,815,000 | 16,238,000 | 20,527,000 |
| Equity capital | 15,952,000 | 15,907,000 | 16,914,000 | 17,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,105,000 | 4,305,000 | 6,647,000 | 9,134,000 |
| Interest expense | 708,000 | 1,547,000 | 2,483,000 | 3,518,000 |
| Net interest income | 1,397,000 | 2,758,000 | 4,164,000 | 5,616,000 |
| Noninterest income | 272,000 | 532,000 | 826,000 | 1,073,000 |
| Noninterest expense | 875,000 | 1,722,000 | 2,591,000 | 3,433,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 749,000 | 1,478,000 | 2,264,000 | 3,076,000 |
| Income tax | 243,000 | 474,000 | 725,000 | 982,000 |
| Net income | 506,000 | 1,004,000 | 1,539,000 | 2,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,454,000 | 16,784,000 | 17,150,000 | 17,476,000 |
| Total capital | 17,706,000 | 18,090,000 | 18,500,000 | 18,848,000 |
| Risk-weighted assets | 103,110,000 | 107,259,000 | 110,511,000 | 110,051,000 |
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