Call reports 2019
FIRST TRUST AND SAVINGS BANK — 2019
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 185,935,000 | 190,631,000 | 187,846,000 | 189,972,000 |
| Total loans | 167,099,000 | 169,472,000 | 167,545,000 | 172,477,000 |
| Allowance for loan losses | 2,038,000 | 2,105,000 | 2,038,000 | 1,808,000 |
| Securities available for sale | 7,796,000 | 8,110,000 | 8,189,000 | 7,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,227,000 | 159,550,000 | 155,820,000 | 158,931,000 |
| Interest-bearing deposits | 129,656,000 | 134,851,000 | 131,814,000 | 132,565,000 |
| Noninterest-bearing deposits | 23,571,000 | 24,699,000 | 24,006,000 | 26,366,000 |
| Equity capital | 18,921,000 | 19,237,000 | 19,704,000 | 20,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,180,000 | 4,612,000 | 6,979,000 | 9,290,000 |
| Interest expense | 625,000 | 1,282,000 | 1,927,000 | 2,558,000 |
| Net interest income | 1,555,000 | 3,330,000 | 5,052,000 | 6,732,000 |
| Noninterest income | 113,000 | 244,000 | 372,000 | 532,000 |
| Noninterest expense | 1,065,000 | 2,078,000 | 3,124,000 | 4,204,000 |
| Provision for loan losses | 169,000 | 232,000 | 290,000 | 450,000 |
| Pretax income | 434,000 | 1,264,000 | 2,010,000 | 2,610,000 |
| Income tax | 24,000 | 61,000 | 91,000 | 129,000 |
| Net income | 410,000 | 1,203,000 | 1,919,000 | 2,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,869,000 | 19,131,000 | 19,583,000 | 19,880,000 |
| Total capital | 20,907,000 | 21,236,000 | 21,621,000 | 21,688,000 |
| Risk-weighted assets | 172,870,000 | 173,634,000 | 172,267,000 | 176,365,000 |