Call reports 2016
FIRST TRUST AND SAVINGS BANK — 2016
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 148,851,000 | 149,090,000 | 150,506,000 | 153,828,000 |
| Total loans | 135,159,000 | 133,888,000 | 134,460,000 | 133,477,000 |
| Allowance for loan losses | 1,593,000 | 1,643,000 | 1,723,000 | 1,709,000 |
| Securities available for sale | 7,455,000 | 7,598,000 | 7,207,000 | 7,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,984,000 | 126,148,000 | 129,959,000 | 133,306,000 |
| Interest-bearing deposits | 105,589,000 | 105,559,000 | 109,413,000 | 110,978,000 |
| Noninterest-bearing deposits | 20,395,000 | 20,589,000 | 20,546,000 | 22,328,000 |
| Equity capital | 16,191,000 | 16,095,000 | 16,384,000 | 16,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,597,000 | 3,188,000 | 4,866,000 | 6,489,000 |
| Interest expense | 265,000 | 545,000 | 831,000 | 1,127,000 |
| Net interest income | 1,332,000 | 2,643,000 | 4,035,000 | 5,362,000 |
| Noninterest income | 179,000 | 294,000 | 403,000 | 520,000 |
| Noninterest expense | 869,000 | 1,728,000 | 2,557,000 | 3,447,000 |
| Provision for loan losses | 45,000 | 75,000 | 150,000 | 330,000 |
| Pretax income | 597,000 | 1,134,000 | 1,731,000 | 2,105,000 |
| Income tax | 0 | 61,000 | 92,000 | 100,000 |
| Net income | 597,000 | 1,073,000 | 1,639,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,092,000 | 15,939,000 | 16,261,000 | 16,324,000 |
| Total capital | 17,685,000 | 17,582,000 | 17,984,000 | 18,033,000 |
| Risk-weighted assets | 139,437,000 | 139,569,000 | 140,858,000 | 138,869,000 |