Call reports 2008
FIRST TRUST AND SAVINGS BANK — 2008
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 97,900,000 | 99,143,000 | 101,847,000 | 100,150,000 |
| Total loans | 80,168,000 | 81,633,000 | 84,780,000 | 84,462,000 |
| Allowance for loan losses | 921,000 | 951,000 | 963,000 | 971,000 |
| Securities available for sale | 7,001,000 | 7,286,000 | 7,542,000 | 6,609,000 |
| Securities held to maturity | 2,172,000 | 1,932,000 | 1,932,000 | 1,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,424,000 | 86,811,000 | 86,920,000 | 85,775,000 |
| Interest-bearing deposits | 75,731,000 | 77,355,000 | 68,610,000 | 64,436,000 |
| Noninterest-bearing deposits | 9,693,000 | 9,455,000 | 18,310,000 | 21,339,000 |
| Equity capital | 8,271,000 | 8,165,000 | 8,212,000 | 9,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,509,000 | 2,984,000 | 4,488,000 | 5,972,000 |
| Interest expense | 709,000 | 1,402,000 | 2,070,000 | 2,695,000 |
| Net interest income | 800,000 | 1,582,000 | 2,418,000 | 3,277,000 |
| Noninterest income | 111,000 | 231,000 | 393,000 | 508,000 |
| Noninterest expense | 666,000 | 1,321,000 | 1,996,000 | 2,716,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 90,000 |
| Pretax income | 225,000 | 442,000 | 735,000 | 979,000 |
| Income tax | 0 | 28,000 | 42,000 | 54,000 |
| Net income | 225,000 | 414,000 | 693,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,393,000 | 7,425,000 | 7,481,000 | 8,239,000 |
| Total capital | 8,314,000 | 8,376,000 | 8,445,000 | 9,210,000 |
| Risk-weighted assets | 81,914,000 | 83,879,000 | 87,044,000 | 85,465,000 |
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