Call reports 2004
FIRST TRUST & SAVINGS BANK — 2004
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 36,672,000 | 36,366,000 | 36,647,000 | 35,002,000 |
| Total loans | 23,441,000 | 24,426,000 | 25,140,000 | 24,461,000 |
| Allowance for loan losses | 485,000 | 485,000 | 485,000 | 476,000 |
| Securities available for sale | 8,185,000 | 7,593,000 | 6,982,000 | 6,001,000 |
| Securities held to maturity | 2,758,000 | 2,355,000 | 2,354,000 | 2,293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,628,000 | 29,997,000 | 28,036,000 | 29,489,000 |
| Interest-bearing deposits | 26,689,000 | 26,518,000 | 24,781,000 | 25,559,000 |
| Noninterest-bearing deposits | 3,939,000 | 3,479,000 | 3,255,000 | 3,930,000 |
| Equity capital | 3,595,000 | 3,568,000 | 3,707,000 | 3,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 992,000 | 1,493,000 | 1,977,000 |
| Interest expense | 147,000 | 278,000 | 404,000 | 533,000 |
| Net interest income | 351,000 | 714,000 | 1,089,000 | 1,444,000 |
| Noninterest income | 25,000 | 59,000 | 104,000 | 172,000 |
| Noninterest expense | 298,000 | 589,000 | 868,000 | 1,173,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 78,000 | 184,000 | 325,000 | 443,000 |
| Income tax | 18,000 | 48,000 | 94,000 | 125,000 |
| Net income | 60,000 | 136,000 | 231,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,549,000 | 3,625,000 | 3,720,000 | 3,762,000 |
| Total capital | 3,876,000 | 3,956,000 | 4,061,000 | 4,090,000 |
| Risk-weighted assets | 25,986,000 | 26,425,000 | 27,118,000 | 26,120,000 |