Call reports 2003
FIRST TRUST & SAVINGS BANK — 2003
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,263,000 | 37,845,000 | 36,349,000 | 38,816,000 |
| Total loans | 24,270,000 | 23,217,000 | 22,791,000 | 22,893,000 |
| Allowance for loan losses | 487,000 | 487,000 | 485,000 | 485,000 |
| Securities available for sale | 5,081,000 | 7,361,000 | 7,280,000 | 9,232,000 |
| Securities held to maturity | 3,018,000 | 3,021,000 | 3,050,000 | 2,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,017,000 | 31,206,000 | 29,582,000 | 32,337,000 |
| Interest-bearing deposits | 26,853,000 | 27,855,000 | 26,550,000 | 27,880,000 |
| Noninterest-bearing deposits | 4,163,000 | 3,350,000 | 3,032,000 | 4,457,000 |
| Equity capital | 3,598,000 | 3,663,000 | 3,655,000 | 3,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,074,000 | 1,602,000 | 2,110,000 |
| Interest expense | 181,000 | 375,000 | 545,000 | 703,000 |
| Net interest income | 362,000 | 699,000 | 1,057,000 | 1,407,000 |
| Noninterest income | 30,000 | 67,000 | 117,000 | 171,000 |
| Noninterest expense | 292,000 | 550,000 | 807,000 | 1,171,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 216,000 | 345,000 | 429,000 |
| Income tax | 26,000 | 59,000 | 99,000 | 113,000 |
| Net income | 74,000 | 157,000 | 246,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,477,000 | 3,550,000 | 3,604,000 | 3,654,000 |
| Total capital | 3,829,000 | 3,880,000 | 3,939,000 | 3,978,000 |
| Risk-weighted assets | 28,206,000 | 26,414,000 | 25,890,000 | 25,884,000 |