Call reports 2024
FIRST TRUST AND SAVINGS BANK — 2024
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 260,958,000 | 262,825,000 | 274,486,000 | 275,630,000 |
| Total loans | 234,871,000 | 237,401,000 | 243,383,000 | 248,028,000 |
| Allowance for loan losses | 2,750,000 | 2,777,000 | 2,845,000 | 2,903,000 |
| Securities available for sale | 16,695,000 | 15,619,000 | 16,894,000 | 16,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,503,000 | 215,306,000 | 222,963,000 | 233,306,000 |
| Interest-bearing deposits | 174,727,000 | 181,304,000 | 186,010,000 | 189,436,000 |
| Noninterest-bearing deposits | 34,776,000 | 34,002,000 | 36,953,000 | 43,870,000 |
| Equity capital | 26,396,000 | 26,560,000 | 27,467,000 | 27,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,648,000 | 7,529,000 | 11,623,000 | 15,618,000 |
| Interest expense | 1,424,000 | 3,016,000 | 4,646,000 | 6,216,000 |
| Net interest income | 2,224,000 | 4,513,000 | 6,977,000 | 9,402,000 |
| Noninterest income | 189,000 | 375,000 | 542,000 | 776,000 |
| Noninterest expense | 1,502,000 | 3,041,000 | 4,658,000 | 6,331,000 |
| Provision for loan losses | 64,000 | 119,000 | 184,000 | 371,000 |
| Pretax income | 847,000 | 1,717,000 | 2,666,000 | 3,465,000 |
| Income tax | 38,000 | 75,000 | 113,000 | 153,000 |
| Net income | 809,000 | 1,642,000 | 2,553,000 | 3,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,829,000 | 27,162,000 | 27,822,000 | 28,520,000 |