Call reports 2005
FIRST TRUST AND SAVINGS BANK — 2005
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 70,968,000 | 72,723,000 | 74,554,000 | 71,900,000 |
| Total loans | 55,968,000 | 58,013,000 | 60,704,000 | 58,726,000 |
| Allowance for loan losses | 807,000 | 829,000 | 829,000 | 833,000 |
| Securities available for sale | 7,724,000 | 7,100,000 | 5,530,000 | 5,479,000 |
| Securities held to maturity | 3,680,000 | 3,285,000 | 3,283,000 | 3,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,818,000 | 60,520,000 | 60,276,000 | 62,081,000 |
| Interest-bearing deposits | 54,975,000 | 54,322,000 | 53,921,000 | 54,438,000 |
| Noninterest-bearing deposits | 6,843,000 | 6,198,000 | 6,355,000 | 7,643,000 |
| Equity capital | 6,426,000 | 6,626,000 | 6,622,000 | 6,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 965,000 | 1,970,000 | 3,007,000 | 4,096,000 |
| Interest expense | 332,000 | 686,000 | 1,080,000 | 1,481,000 |
| Net interest income | 633,000 | 1,284,000 | 1,927,000 | 2,615,000 |
| Noninterest income | 80,000 | 152,000 | 275,000 | 388,000 |
| Noninterest expense | 491,000 | 984,000 | 1,483,000 | 1,999,000 |
| Provision for loan losses | 24,000 | 24,000 | 24,000 | 50,000 |
| Pretax income | 198,000 | 428,000 | 695,000 | 954,000 |
| Income tax | 0 | 21,000 | 32,000 | 46,000 |
| Net income | 198,000 | 407,000 | 663,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,988,000 | 6,099,000 | 6,176,000 | 6,363,000 |
| Total capital | 6,696,000 | 6,836,000 | 6,929,000 | 7,108,000 |
| Risk-weighted assets | 56,527,000 | 58,848,000 | 61,473,000 | 59,492,000 |
Machine access — free, no API key
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