Call reports 2023
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2023
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 316,743,000 | 309,910,000 | 314,403,000 | 313,015,000 |
| Total loans | 128,781,000 | 143,356,000 | 150,834,000 | 161,932,000 |
| Allowance for loan losses | 1,580,000 | 1,656,000 | 1,800,000 | 1,910,000 |
| Securities available for sale | 125,376,000 | 124,453,000 | 110,332,000 | 119,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,871,000 | 268,285,000 | 272,663,000 | 268,236,000 |
| Interest-bearing deposits | 243,418,000 | 238,626,000 | 242,979,000 | 239,061,000 |
| Noninterest-bearing deposits | 31,453,000 | 29,659,000 | 29,684,000 | 29,175,000 |
| Equity capital | 40,844,000 | 40,989,000 | 41,006,000 | 43,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,876,000 | 5,862,000 | 8,972,000 | 12,231,000 |
| Interest expense | 446,000 | 984,000 | 1,629,000 | 2,365,000 |
| Net interest income | 2,430,000 | 4,878,000 | 7,343,000 | 9,866,000 |
| Noninterest income | 335,000 | 647,000 | 973,000 | 1,349,000 |
| Noninterest expense | 1,086,000 | 2,243,000 | 3,434,000 | 4,801,000 |
| Provision for loan losses | -228,000 | -158,000 | -18,000 | 115,000 |
| Pretax income | 1,724,000 | 3,381,000 | 4,888,000 | 6,280,000 |
| Income tax | 418,000 | 843,000 | 1,214,000 | 1,565,000 |
| Net income | 1,306,000 | 2,538,000 | 3,674,000 | 4,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,295,000 | 47,107,000 | 47,821,000 | 48,428,000 |