Call reports 2007
FIRST TRUST AND SAVINGS BANK — 2007
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 81,939,000 | 83,121,000 | 86,104,000 | 92,188,000 |
| Total loans | 66,114,000 | 69,942,000 | 71,124,000 | 74,443,000 |
| Allowance for loan losses | 858,000 | 793,000 | 815,000 | 901,000 |
| Securities available for sale | 5,830,000 | 6,099,000 | 6,427,000 | 6,700,000 |
| Securities held to maturity | 2,977,000 | 2,626,000 | 2,423,000 | 2,423,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,754,000 | 71,413,000 | 72,563,000 | 80,785,000 |
| Interest-bearing deposits | 63,568,000 | 56,353,000 | 57,830,000 | 62,834,000 |
| Noninterest-bearing deposits | 8,186,000 | 15,060,000 | 14,733,000 | 17,951,000 |
| Equity capital | 7,229,000 | 7,225,000 | 7,331,000 | 8,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,330,000 | 2,706,000 | 4,154,000 | 5,634,000 |
| Interest expense | 600,000 | 1,235,000 | 1,914,000 | 2,603,000 |
| Net interest income | 730,000 | 1,471,000 | 2,240,000 | 3,031,000 |
| Noninterest income | 94,000 | 183,000 | 264,000 | 418,000 |
| Noninterest expense | 531,000 | 1,054,000 | 1,587,000 | 2,192,000 |
| Provision for loan losses | 30,000 | 70,000 | 90,000 | 180,000 |
| Pretax income | 263,000 | 530,000 | 828,000 | 1,078,000 |
| Income tax | 0 | 25,000 | 38,000 | 48,000 |
| Net income | 263,000 | 505,000 | 790,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,889,000 | 6,941,000 | 6,989,000 | 7,307,000 |
| Total capital | 7,734,000 | 7,734,000 | 7,804,000 | 8,208,000 |
| Risk-weighted assets | 67,621,000 | 70,769,000 | 72,724,000 | 76,357,000 |
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