Call reports 2010
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2010
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 180,197,000 | 178,202,000 | 187,028,000 | 188,206,000 |
| Total loans | 98,829,000 | 101,302,000 | 97,013,000 | 98,252,000 |
| Allowance for loan losses | 1,612,000 | 1,768,000 | 1,929,000 | 1,824,000 |
| Securities available for sale | 50,963,000 | 50,044,000 | 50,936,000 | 46,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,575,000 | 154,026,000 | 161,831,000 | 163,909,000 |
| Interest-bearing deposits | 139,819,000 | 140,866,000 | 148,240,000 | 148,144,000 |
| Noninterest-bearing deposits | 15,756,000 | 13,160,000 | 13,591,000 | 15,765,000 |
| Equity capital | 23,137,000 | 23,619,000 | 24,278,000 | 23,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,989,000 | 4,018,000 | 6,026,000 | 7,965,000 |
| Interest expense | 406,000 | 783,000 | 1,148,000 | 1,474,000 |
| Net interest income | 1,583,000 | 3,235,000 | 4,878,000 | 6,491,000 |
| Noninterest income | 340,000 | 678,000 | 1,067,000 | 1,488,000 |
| Noninterest expense | 940,000 | 1,886,000 | 2,830,000 | 3,858,000 |
| Provision for loan losses | 135,000 | 300,000 | 465,000 | 600,000 |
| Pretax income | 848,000 | 1,727,000 | 2,650,000 | 3,521,000 |
| Income tax | 258,000 | 524,000 | 800,000 | 1,089,000 |
| Net income | 590,000 | 1,203,000 | 1,850,000 | 2,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,381,000 | 22,798,000 | 23,248,000 | 23,569,000 |
| Total capital | 23,797,000 | 24,223,000 | 24,591,000 | 24,938,000 |
| Risk-weighted assets | 120,204,000 | 114,419,000 | 106,884,000 | 109,083,000 |