Call reports 2013
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2013
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 235,187,000 | 228,976,000 | 232,561,000 | 232,209,000 |
| Total loans | 100,972,000 | 104,100,000 | 109,232,000 | 116,396,000 |
| Allowance for loan losses | 1,900,000 | 1,860,000 | 2,075,000 | 1,896,000 |
| Securities available for sale | 83,872,000 | 77,977,000 | 83,742,000 | 82,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,599,000 | 202,615,000 | 205,632,000 | 205,172,000 |
| Interest-bearing deposits | 184,949,000 | 181,181,000 | 185,098,000 | 182,769,000 |
| Noninterest-bearing deposits | 21,650,000 | 21,434,000 | 20,534,000 | 22,403,000 |
| Equity capital | 28,021,000 | 26,090,000 | 26,604,000 | 26,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,773,000 | 3,608,000 | 5,498,000 | 7,418,000 |
| Interest expense | 137,000 | 261,000 | 381,000 | 492,000 |
| Net interest income | 1,636,000 | 3,347,000 | 5,117,000 | 6,926,000 |
| Noninterest income | 309,000 | 578,000 | 862,000 | 1,149,000 |
| Noninterest expense | 859,000 | 1,732,000 | 2,631,000 | 3,549,000 |
| Provision for loan losses | 0 | 60,000 | 280,000 | 280,000 |
| Pretax income | 1,089,000 | 2,136,000 | 3,073,000 | 4,255,000 |
| Income tax | 319,000 | 624,000 | 881,000 | 1,251,000 |
| Net income | 770,000 | 1,512,000 | 2,192,000 | 3,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,706,000 | 28,202,000 | 28,387,000 | 28,895,000 |
| Total capital | 29,172,000 | 29,713,000 | 30,000,000 | 30,585,000 |
| Risk-weighted assets | 116,821,000 | 120,562,000 | 128,593,000 | 134,967,000 |