Call reports 2011
FIRST TRUST AND SAVINGS BANK — 2011
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 117,076,000 | 120,383,000 | 126,681,000 | 123,212,000 |
| Total loans | 102,254,000 | 104,496,000 | 110,475,000 | 108,973,000 |
| Allowance for loan losses | 1,142,000 | 1,157,000 | 1,220,000 | 1,161,000 |
| Securities available for sale | 8,119,000 | 8,450,000 | 8,389,000 | 7,934,000 |
| Securities held to maturity | 508,000 | 374,000 | 374,000 | 374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,460,000 | 101,289,000 | 100,859,000 | 105,515,000 |
| Interest-bearing deposits | 87,820,000 | 87,367,000 | 86,710,000 | 88,099,000 |
| Noninterest-bearing deposits | 13,640,000 | 13,922,000 | 14,149,000 | 17,416,000 |
| Equity capital | 11,289,000 | 11,543,000 | 11,931,000 | 12,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,893,000 | 4,391,000 | 5,877,000 |
| Interest expense | 399,000 | 770,000 | 1,127,000 | 1,471,000 |
| Net interest income | 1,021,000 | 2,123,000 | 3,264,000 | 4,406,000 |
| Noninterest income | 125,000 | 260,000 | 416,000 | 578,000 |
| Noninterest expense | 741,000 | 1,533,000 | 2,249,000 | 3,051,000 |
| Provision for loan losses | 10,000 | 25,000 | 130,000 | 200,000 |
| Pretax income | 395,000 | 825,000 | 1,302,000 | 1,734,000 |
| Income tax | 0 | 35,000 | 53,000 | 84,000 |
| Net income | 395,000 | 790,000 | 1,249,000 | 1,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,745,000 | 10,970,000 | 11,326,000 | 11,529,000 |
| Total capital | 11,887,000 | 12,127,000 | 12,546,000 | 12,690,000 |
| Risk-weighted assets | 102,839,000 | 106,346,000 | 112,275,000 | 110,949,000 |