Call reports 2013
FIRST TRUST AND SAVINGS BANK — 2013
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 134,994,000 | 135,565,000 | 135,836,000 | 141,134,000 |
| Total loans | 111,202,000 | 114,030,000 | 119,860,000 | 125,367,000 |
| Allowance for loan losses | 1,274,000 | 1,289,000 | 1,372,000 | 1,380,000 |
| Securities available for sale | 8,124,000 | 8,588,000 | 8,779,000 | 8,202,000 |
| Securities held to maturity | 120,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,102,000 | 117,472,000 | 115,455,000 | 117,506,000 |
| Interest-bearing deposits | 82,917,000 | 82,463,000 | 80,005,000 | 91,986,000 |
| Noninterest-bearing deposits | 34,185,000 | 35,009,000 | 35,450,000 | 25,520,000 |
| Equity capital | 13,230,000 | 13,361,000 | 13,683,000 | 13,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,439,000 | 2,847,000 | 4,312,000 | 5,796,000 |
| Interest expense | 292,000 | 559,000 | 815,000 | 1,059,000 |
| Net interest income | 1,147,000 | 2,288,000 | 3,497,000 | 4,737,000 |
| Noninterest income | 113,000 | 285,000 | 411,000 | 560,000 |
| Noninterest expense | 805,000 | 1,462,000 | 2,246,000 | 3,046,000 |
| Provision for loan losses | 80,000 | 170,000 | 260,000 | 350,000 |
| Pretax income | 377,000 | 943,000 | 1,403,000 | 1,902,000 |
| Income tax | 0 | 22,000 | 43,000 | 93,000 |
| Net income | 377,000 | 921,000 | 1,360,000 | 1,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,792,000 | 13,113,000 | 13,428,000 | 13,484,000 |
| Total capital | 14,066,000 | 14,402,000 | 14,800,000 | 14,864,000 |
| Risk-weighted assets | 114,168,000 | 116,885,000 | 121,249,000 | 125,822,000 |