Call reports 2015
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2015
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 239,708,000 | 235,369,000 | 236,359,000 | 238,149,000 |
| Total loans | 108,882,000 | 104,902,000 | 107,167,000 | 111,596,000 |
| Allowance for loan losses | 2,074,000 | 1,942,000 | 1,949,000 | 1,886,000 |
| Securities available for sale | 89,434,000 | 88,604,000 | 85,696,000 | 84,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,973,000 | 203,271,000 | 203,131,000 | 204,352,000 |
| Interest-bearing deposits | 185,858,000 | 184,390,000 | 185,510,000 | 183,362,000 |
| Noninterest-bearing deposits | 21,115,000 | 18,881,000 | 17,621,000 | 20,990,000 |
| Equity capital | 32,103,000 | 31,772,000 | 32,782,000 | 33,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,846,000 | 3,645,000 | 5,497,000 | 7,380,000 |
| Interest expense | 127,000 | 258,000 | 387,000 | 511,000 |
| Net interest income | 1,719,000 | 3,387,000 | 5,110,000 | 6,869,000 |
| Noninterest income | 282,000 | 539,000 | 808,000 | 1,087,000 |
| Noninterest expense | 863,000 | 1,769,000 | 2,698,000 | 3,628,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,150,000 | 2,169,000 | 3,232,000 | 4,358,000 |
| Income tax | 348,000 | 638,000 | 951,000 | 1,289,000 |
| Net income | 802,000 | 1,531,000 | 2,281,000 | 3,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,481,000 | 31,599,000 | 32,431,000 | 32,864,000 |
| Total capital | 33,127,000 | 33,313,000 | 34,138,000 | 34,524,000 |
| Risk-weighted assets | 137,394,000 | 136,860,000 | 136,347,000 | 132,552,000 |