Call reports 2008
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2008
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 167,998,000 | 168,831,000 | 168,091,000 | 174,767,000 |
| Total loans | 93,749,000 | 100,193,000 | 101,610,000 | 103,640,000 |
| Allowance for loan losses | 1,412,000 | 1,398,000 | 1,395,000 | 1,281,000 |
| Securities available for sale | 56,357,000 | 55,454,000 | 53,718,000 | 55,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,361,000 | 147,940,000 | 145,672,000 | 150,790,000 |
| Interest-bearing deposits | 132,020,000 | 133,650,000 | 131,139,000 | 132,579,000 |
| Noninterest-bearing deposits | 14,341,000 | 14,290,000 | 14,533,000 | 18,211,000 |
| Equity capital | 20,083,000 | 19,715,000 | 20,286,000 | 21,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,325,000 | 4,553,000 | 6,829,000 | 9,021,000 |
| Interest expense | 871,000 | 1,603,000 | 2,249,000 | 2,839,000 |
| Net interest income | 1,454,000 | 2,950,000 | 4,580,000 | 6,182,000 |
| Noninterest income | 267,000 | 609,000 | 876,000 | 1,387,000 |
| Noninterest expense | 842,000 | 1,696,000 | 2,553,000 | 3,468,000 |
| Provision for loan losses | 0 | 0 | 0 | 145,000 |
| Pretax income | 879,000 | 1,863,000 | 2,903,000 | 3,956,000 |
| Income tax | 279,000 | 596,000 | 928,000 | 1,242,000 |
| Net income | 600,000 | 1,267,000 | 1,975,000 | 2,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,299,000 | 19,739,000 | 20,256,000 | 20,744,000 |
| Total capital | 20,601,000 | 21,120,000 | 21,651,000 | 22,025,000 |
| Risk-weighted assets | 105,860,000 | 114,845,000 | 116,984,000 | 118,380,000 |
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