Call reports 2010
FIRST TRUST AND SAVINGS BANK — 2010
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 112,158,000 | 112,916,000 | 114,218,000 | 116,995,000 |
| Total loans | 97,977,000 | 95,269,000 | 96,689,000 | 97,528,000 |
| Allowance for loan losses | 1,080,000 | 1,177,000 | 1,104,000 | 1,121,000 |
| Securities available for sale | 6,581,000 | 6,292,000 | 7,081,000 | 7,550,000 |
| Securities held to maturity | 908,000 | 728,000 | 603,000 | 508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,553,000 | 97,519,000 | 98,649,000 | 101,399,000 |
| Interest-bearing deposits | 74,461,000 | 77,716,000 | 78,397,000 | 76,734,000 |
| Noninterest-bearing deposits | 19,092,000 | 19,803,000 | 20,252,000 | 24,665,000 |
| Equity capital | 10,599,000 | 10,555,000 | 10,810,000 | 10,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,443,000 | 2,950,000 | 4,440,000 | 5,896,000 |
| Interest expense | 498,000 | 1,000,000 | 1,496,000 | 1,954,000 |
| Net interest income | 945,000 | 1,950,000 | 2,944,000 | 3,942,000 |
| Noninterest income | 118,000 | 266,000 | 427,000 | 596,000 |
| Noninterest expense | 740,000 | 1,480,000 | 2,231,000 | 3,020,000 |
| Provision for loan losses | 70,000 | 150,000 | 162,000 | 180,000 |
| Pretax income | 253,000 | 586,000 | 978,000 | 1,338,000 |
| Income tax | 0 | 23,000 | 57,000 | 111,000 |
| Net income | 253,000 | 563,000 | 921,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,929,000 | 9,901,000 | 10,130,000 | 10,347,000 |
| Total capital | 11,009,000 | 11,078,000 | 11,234,000 | 11,468,000 |
| Risk-weighted assets | 99,261,000 | 97,106,000 | 99,004,000 | 99,363,000 |