Call reports 2020
FIRST TRUST AND SAVINGS BANK — 2020
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 202,782,000 | 214,209,000 | 213,380,000 | 218,883,000 |
| Total loans | 184,559,000 | 189,167,000 | 186,833,000 | 180,459,000 |
| Allowance for loan losses | 1,917,000 | 2,016,000 | 2,112,000 | 2,095,000 |
| Securities available for sale | 7,851,000 | 7,669,000 | 6,924,000 | 6,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,781,000 | 179,240,000 | 181,099,000 | 186,296,000 |
| Interest-bearing deposits | 135,790,000 | 148,788,000 | 145,848,000 | 149,203,000 |
| Noninterest-bearing deposits | 24,991,000 | 30,452,000 | 35,251,000 | 37,093,000 |
| Equity capital | 20,523,000 | 20,753,000 | 21,163,000 | 21,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,391,000 | 4,906,000 | 7,397,000 | 9,850,000 |
| Interest expense | 609,000 | 1,151,000 | 1,683,000 | 2,191,000 |
| Net interest income | 1,782,000 | 3,755,000 | 5,714,000 | 7,659,000 |
| Noninterest income | 160,000 | 287,000 | 409,000 | 592,000 |
| Noninterest expense | 1,288,000 | 2,610,000 | 3,892,000 | 5,241,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 554,000 | 1,232,000 | 1,931,000 | 2,609,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 129,000 |
| Net income | 524,000 | 1,172,000 | 1,841,000 | 2,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,404,000 | 20,528,000 | 20,931,000 | 21,305,000 |