Call reports 2007
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2007
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 163,379,000 | 165,184,000 | 163,537,000 | 167,166,000 |
| Total loans | 97,806,000 | 99,822,000 | 103,220,000 | 102,298,000 |
| Allowance for loan losses | 1,455,000 | 1,604,000 | 1,599,000 | 1,389,000 |
| Securities available for sale | 49,135,000 | 47,382,000 | 48,974,000 | 49,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,640,000 | 146,158,000 | 143,805,000 | 146,856,000 |
| Interest-bearing deposits | 127,381,000 | 126,207,000 | 129,004,000 | 127,373,000 |
| Noninterest-bearing deposits | 17,259,000 | 19,951,000 | 14,801,000 | 19,483,000 |
| Equity capital | 17,666,000 | 17,754,000 | 18,470,000 | 19,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,391,000 | 4,820,000 | 7,317,000 | 9,810,000 |
| Interest expense | 996,000 | 2,001,000 | 3,023,000 | 4,006,000 |
| Net interest income | 1,395,000 | 2,819,000 | 4,294,000 | 5,804,000 |
| Noninterest income | 258,000 | 545,000 | 815,000 | 1,128,000 |
| Noninterest expense | 833,000 | 1,663,000 | 2,519,000 | 3,370,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 215,000 |
| Pretax income | 775,000 | 1,611,000 | 2,500,000 | 3,347,000 |
| Income tax | 250,000 | 518,000 | 810,000 | 1,061,000 |
| Net income | 525,000 | 1,093,000 | 1,690,000 | 2,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,817,000 | 18,200,000 | 18,613,000 | 18,965,000 |
| Total capital | 19,176,000 | 19,574,000 | 20,004,000 | 20,354,000 |
| Risk-weighted assets | 108,602,000 | 109,971,000 | 112,399,000 | 112,708,000 |
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