Call reports 2025
FIRST TRUST AND SAVINGS BANK — 2025
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 282,387,000 | 278,921,000 | 294,184,000 | 300,105,000 |
| Total loans | 253,807,000 | 251,411,000 | 262,627,000 | 264,525,000 |
| Allowance for loan losses | 3,017,000 | 3,170,000 | 3,131,000 | 3,225,000 |
| Securities available for sale | 16,417,000 | 16,646,000 | 18,716,000 | 22,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,208,000 | 236,563,000 | 243,757,000 | 252,914,000 |
| Interest-bearing deposits | 194,341,000 | 199,133,000 | 204,250,000 | 208,820,000 |
| Noninterest-bearing deposits | 35,867,000 | 37,430,000 | 39,507,000 | 44,094,000 |
| Equity capital | 28,710,000 | 29,140,000 | 30,231,000 | 30,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,118,000 | 8,403,000 | 12,863,000 | 17,293,000 |
| Interest expense | 1,615,000 | 3,210,000 | 4,851,000 | 6,482,000 |
| Net interest income | 2,503,000 | 5,193,000 | 8,012,000 | 10,811,000 |
| Noninterest income | 190,000 | 376,000 | 567,000 | 823,000 |
| Noninterest expense | 1,678,000 | 3,376,000 | 5,145,000 | 7,021,000 |
| Provision for loan losses | 120,000 | 279,000 | 464,000 | 1,105,000 |
| Pretax income | 887,000 | 1,905,000 | 2,966,000 | 3,502,000 |
| Income tax | 39,000 | 78,000 | 117,000 | 154,000 |
| Net income | 848,000 | 1,827,000 | 2,849,000 | 3,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,258,000 | 29,735,000 | 30,507,000 | 31,006,000 |