Call reports 2015
FIRST TRUST AND SAVINGS BANK — 2015
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 148,911,000 | 142,976,000 | 143,262,000 | 146,011,000 |
| Total loans | 135,614,000 | 127,624,000 | 128,677,000 | 129,805,000 |
| Allowance for loan losses | 1,584,000 | 1,614,000 | 1,480,000 | 1,544,000 |
| Securities available for sale | 7,443,000 | 7,287,000 | 7,123,000 | 7,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,173,000 | 122,642,000 | 116,687,000 | 123,644,000 |
| Interest-bearing deposits | 106,415,000 | 102,194,000 | 96,608,000 | 99,770,000 |
| Noninterest-bearing deposits | 20,758,000 | 20,448,000 | 20,079,000 | 23,874,000 |
| Equity capital | 15,105,000 | 15,141,000 | 15,392,000 | 15,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,618,000 | 3,175,000 | 4,683,000 | 6,236,000 |
| Interest expense | 252,000 | 501,000 | 746,000 | 996,000 |
| Net interest income | 1,366,000 | 2,674,000 | 3,937,000 | 5,240,000 |
| Noninterest income | 128,000 | 275,000 | 391,000 | 535,000 |
| Noninterest expense | 854,000 | 1,669,000 | 2,480,000 | 3,373,000 |
| Provision for loan losses | 90,000 | 120,000 | 150,000 | 200,000 |
| Pretax income | 550,000 | 1,159,000 | 1,697,000 | 2,199,000 |
| Income tax | 0 | 56,000 | 83,000 | 108,000 |
| Net income | 550,000 | 1,103,000 | 1,614,000 | 2,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,948,000 | 15,040,000 | 15,290,000 | 15,491,000 |
| Total capital | 16,532,000 | 16,654,000 | 16,770,000 | 17,035,000 |
| Risk-weighted assets | 138,671,000 | 132,973,000 | 134,620,000 | 135,475,000 |