Call reports 2014
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2014
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 235,103,000 | 237,692,000 | 235,895,000 | 238,376,000 |
| Total loans | 107,918,000 | 107,875,000 | 110,965,000 | 121,714,000 |
| Allowance for loan losses | 1,946,000 | 1,994,000 | 2,012,000 | 2,087,000 |
| Securities available for sale | 79,707,000 | 76,943,000 | 85,484,000 | 88,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,428,000 | 207,785,000 | 205,126,000 | 206,932,000 |
| Interest-bearing deposits | 186,600,000 | 187,556,000 | 187,627,000 | 184,521,000 |
| Noninterest-bearing deposits | 19,828,000 | 20,229,000 | 17,499,000 | 22,411,000 |
| Equity capital | 28,270,000 | 29,604,000 | 30,446,000 | 31,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,837,000 | 3,677,000 | 5,546,000 | 7,494,000 |
| Interest expense | 103,000 | 216,000 | 336,000 | 460,000 |
| Net interest income | 1,734,000 | 3,461,000 | 5,210,000 | 7,034,000 |
| Noninterest income | 269,000 | 539,000 | 830,000 | 1,102,000 |
| Noninterest expense | 865,000 | 1,745,000 | 2,629,000 | 3,548,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 250,000 |
| Pretax income | 1,093,000 | 2,165,000 | 3,276,000 | 4,342,000 |
| Income tax | 325,000 | 617,000 | 923,000 | 1,212,000 |
| Net income | 768,000 | 1,548,000 | 2,353,000 | 3,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,421,000 | 29,958,000 | 30,499,000 | 30,943,000 |
| Total capital | 30,995,000 | 31,505,000 | 32,100,000 | 32,706,000 |
| Risk-weighted assets | 125,559,000 | 123,318,000 | 127,632,000 | 140,695,000 |