Call reports 2019
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2019
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 246,793,000 | 248,074,000 | 255,964,000 | 254,484,000 |
| Total loans | 111,860,000 | 114,706,000 | 117,289,000 | 130,983,000 |
| Allowance for loan losses | 1,619,000 | 1,621,000 | 1,620,000 | 1,573,000 |
| Securities available for sale | 93,679,000 | 91,247,000 | 87,894,000 | 86,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,806,000 | 207,309,000 | 214,567,000 | 212,985,000 |
| Interest-bearing deposits | 187,427,000 | 187,970,000 | 194,146,000 | 191,696,000 |
| Noninterest-bearing deposits | 19,379,000 | 19,339,000 | 20,421,000 | 21,289,000 |
| Equity capital | 38,910,000 | 39,906,000 | 40,490,000 | 40,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,161,000 | 4,386,000 | 6,640,000 | 8,835,000 |
| Interest expense | 357,000 | 768,000 | 1,230,000 | 1,675,000 |
| Net interest income | 1,804,000 | 3,618,000 | 5,410,000 | 7,160,000 |
| Noninterest income | 239,000 | 517,000 | 783,000 | 1,047,000 |
| Noninterest expense | 931,000 | 1,907,000 | 2,923,000 | 3,935,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 1,112,000 | 2,228,000 | 3,270,000 | 4,257,000 |
| Income tax | 232,000 | 462,000 | 677,000 | 890,000 |
| Net income | 880,000 | 1,766,000 | 2,593,000 | 3,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,123,000 | 39,540,000 | 40,058,000 | 40,420,000 |
| Total capital | 40,742,000 | 41,161,000 | 41,678,000 | 41,993,000 |
| Risk-weighted assets | 135,408,000 | 135,610,000 | 139,014,000 | 153,771,000 |