Call reports 2023
FIRST TRUST AND SAVINGS BANK — 2023
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 234,971,000 | 243,538,000 | 244,620,000 | 249,281,000 |
| Total loans | 207,257,000 | 216,627,000 | 219,402,000 | 225,029,000 |
| Allowance for loan losses | 2,593,000 | 2,602,000 | 2,629,000 | 2,722,000 |
| Securities available for sale | 18,347,000 | 15,573,000 | 14,983,000 | 14,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,002,000 | 204,335,000 | 197,794,000 | 205,068,000 |
| Interest-bearing deposits | 160,190,000 | 169,960,000 | 162,129,000 | 165,650,000 |
| Noninterest-bearing deposits | 39,812,000 | 34,375,000 | 35,665,000 | 39,418,000 |
| Equity capital | 24,459,000 | 24,491,000 | 24,679,000 | 25,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,715,000 | 5,689,000 | 8,877,000 | 12,219,000 |
| Interest expense | 649,000 | 1,567,000 | 2,611,000 | 3,822,000 |
| Net interest income | 2,066,000 | 4,122,000 | 6,266,000 | 8,397,000 |
| Noninterest income | 176,000 | 351,000 | 525,000 | 748,000 |
| Noninterest expense | 1,409,000 | 2,865,000 | 4,335,000 | 5,825,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 728,000 | 1,398,000 | 2,141,000 | 2,900,000 |
| Income tax | 36,000 | 71,000 | 108,000 | 139,000 |
| Net income | 692,000 | 1,327,000 | 2,033,000 | 2,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,938,000 | 25,071,000 | 25,537,000 | 26,263,000 |