Call reports 2021
FIRST TRUST AND SAVINGS BANK — 2021
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 226,865,000 | 236,780,000 | 235,487,000 | 243,677,000 |
| Total loans | 188,425,000 | 184,662,000 | 183,934,000 | 186,585,000 |
| Allowance for loan losses | 2,199,000 | 2,281,000 | 2,382,000 | 2,065,000 |
| Securities available for sale | 6,963,000 | 10,595,000 | 10,983,000 | 10,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,714,000 | 203,633,000 | 201,577,000 | 209,442,000 |
| Interest-bearing deposits | 155,371,000 | 164,234,000 | 162,327,000 | 163,555,000 |
| Noninterest-bearing deposits | 38,343,000 | 39,399,000 | 39,250,000 | 45,887,000 |
| Equity capital | 22,148,000 | 22,182,000 | 22,819,000 | 23,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,381,000 | 4,539,000 | 7,228,000 | 9,796,000 |
| Interest expense | 436,000 | 843,000 | 1,239,000 | 1,607,000 |
| Net interest income | 1,945,000 | 3,696,000 | 5,989,000 | 8,189,000 |
| Noninterest income | 166,000 | 369,000 | 522,000 | 729,000 |
| Noninterest expense | 1,323,000 | 2,666,000 | 4,095,000 | 5,489,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 698,000 | 1,219,000 | 2,146,000 | 3,069,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 151,000 |
| Net income | 662,000 | 1,147,000 | 2,038,000 | 2,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,968,000 | 21,928,000 | 22,559,000 | 22,979,000 |