Call reports 2009
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2009
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 170,331,000 | 174,076,000 | 178,952,000 | 180,626,000 |
| Total loans | 95,146,000 | 95,759,000 | 96,561,000 | 102,148,000 |
| Allowance for loan losses | 1,341,000 | 1,387,000 | 1,390,000 | 1,476,000 |
| Securities available for sale | 52,651,000 | 50,409,000 | 51,938,000 | 51,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,656,000 | 149,555,000 | 153,703,000 | 156,460,000 |
| Interest-bearing deposits | 131,669,000 | 135,235,000 | 141,382,000 | 141,787,000 |
| Noninterest-bearing deposits | 13,987,000 | 14,320,000 | 12,321,000 | 14,673,000 |
| Equity capital | 21,941,000 | 22,214,000 | 23,053,000 | 22,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,040,000 | 4,073,000 | 6,097,000 | 8,136,000 |
| Interest expense | 499,000 | 970,000 | 1,479,000 | 1,925,000 |
| Net interest income | 1,541,000 | 3,103,000 | 4,618,000 | 6,211,000 |
| Noninterest income | 312,000 | 750,000 | 1,111,000 | 1,459,000 |
| Noninterest expense | 900,000 | 2,071,000 | 3,027,000 | 4,078,000 |
| Provision for loan losses | 45,000 | 90,000 | 165,000 | 400,000 |
| Pretax income | 908,000 | 1,692,000 | 2,537,000 | 3,192,000 |
| Income tax | 281,000 | 518,000 | 777,000 | 923,000 |
| Net income | 627,000 | 1,174,000 | 1,760,000 | 2,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,173,000 | 21,467,000 | 21,736,000 | 21,988,000 |
| Total capital | 22,514,000 | 22,854,000 | 23,126,000 | 23,454,000 |
| Risk-weighted assets | 114,264,000 | 118,050,000 | 111,945,000 | 117,448,000 |
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