Call reports 2016
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2016
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 236,516,000 | 240,492,000 | 241,521,000 | 245,980,000 |
| Total loans | 105,102,000 | 110,388,000 | 111,815,000 | 113,792,000 |
| Allowance for loan losses | 1,887,000 | 1,856,000 | 1,866,000 | 1,773,000 |
| Securities available for sale | 87,956,000 | 84,021,000 | 79,463,000 | 89,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,934,000 | 204,762,000 | 205,620,000 | 211,592,000 |
| Interest-bearing deposits | 182,661,000 | 185,583,000 | 185,891,000 | 186,037,000 |
| Noninterest-bearing deposits | 19,273,000 | 19,179,000 | 19,729,000 | 25,555,000 |
| Equity capital | 34,005,000 | 35,048,000 | 35,348,000 | 33,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,829,000 | 3,675,000 | 5,557,000 | 7,421,000 |
| Interest expense | 121,000 | 241,000 | 364,000 | 487,000 |
| Net interest income | 1,708,000 | 3,434,000 | 5,193,000 | 6,934,000 |
| Noninterest income | 228,000 | 485,000 | 743,000 | 1,007,000 |
| Noninterest expense | 882,000 | 1,773,000 | 2,697,000 | 3,610,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,074,000 | 2,292,000 | 3,437,000 | 4,529,000 |
| Income tax | 325,000 | 700,000 | 1,048,000 | 1,374,000 |
| Net income | 749,000 | 1,592,000 | 2,389,000 | 3,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,328,000 | 33,884,000 | 34,395,000 | 34,786,000 |
| Total capital | 34,927,000 | 35,524,000 | 36,027,000 | 36,500,000 |
| Risk-weighted assets | 127,655,000 | 130,981,000 | 130,365,000 | 137,094,000 |