Call reports 2014
FIRST TRUST AND SAVINGS BANK — 2014
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 137,316,000 | 136,433,000 | 141,106,000 | 149,222,000 |
| Total loans | 121,334,000 | 121,540,000 | 125,402,000 | 133,468,000 |
| Allowance for loan losses | 1,439,000 | 1,404,000 | 1,460,000 | 1,503,000 |
| Securities available for sale | 7,419,000 | 7,873,000 | 8,013,000 | 7,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,154,000 | 118,164,000 | 116,364,000 | 124,589,000 |
| Interest-bearing deposits | 92,634,000 | 96,400,000 | 97,346,000 | 103,094,000 |
| Noninterest-bearing deposits | 25,520,000 | 21,764,000 | 19,018,000 | 21,495,000 |
| Equity capital | 13,962,000 | 14,091,000 | 14,422,000 | 14,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 2,958,000 | 4,489,000 | 6,076,000 |
| Interest expense | 233,000 | 458,000 | 683,000 | 916,000 |
| Net interest income | 1,241,000 | 2,500,000 | 3,806,000 | 5,160,000 |
| Noninterest income | 122,000 | 237,000 | 383,000 | 535,000 |
| Noninterest expense | 814,000 | 1,594,000 | 2,420,000 | 3,246,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 300,000 |
| Pretax income | 489,000 | 1,023,000 | 1,588,000 | 2,148,000 |
| Income tax | 0 | 52,000 | 79,000 | 105,000 |
| Net income | 489,000 | 971,000 | 1,509,000 | 2,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,761,000 | 13,881,000 | 14,204,000 | 14,393,000 |
| Total capital | 15,200,000 | 15,285,000 | 15,664,000 | 15,896,000 |
| Risk-weighted assets | 122,063,000 | 121,629,000 | 126,044,000 | 133,335,000 |
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