Call reports 2005
FIRST TRUST & SAVINGS BANK — 2005
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,312,000 | 34,567,000 | 35,967,000 | 36,054,000 |
| Total loans | 23,539,000 | 24,719,000 | 25,612,000 | 25,371,000 |
| Allowance for loan losses | 476,000 | 476,000 | 476,000 | 476,000 |
| Securities available for sale | 5,727,000 | 5,664,000 | 5,618,000 | 5,593,000 |
| Securities held to maturity | 2,197,000 | 2,371,000 | 2,370,000 | 2,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,210,000 | 28,508,000 | 27,605,000 | 30,985,000 |
| Interest-bearing deposits | 26,530,000 | 24,666,000 | 23,733,000 | 25,245,000 |
| Noninterest-bearing deposits | 3,680,000 | 3,842,000 | 3,872,000 | 5,740,000 |
| Equity capital | 3,585,000 | 3,688,000 | 3,701,000 | 3,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 475,000 | 956,000 | 1,468,000 | 1,994,000 |
| Interest expense | 125,000 | 265,000 | 427,000 | 611,000 |
| Net interest income | 350,000 | 691,000 | 1,041,000 | 1,383,000 |
| Noninterest income | 30,000 | 62,000 | 129,000 | 188,000 |
| Noninterest expense | 292,000 | 565,000 | 854,000 | 1,145,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 188,000 | 316,000 | 426,000 |
| Income tax | 24,000 | 52,000 | 96,000 | 262,000 |
| Net income | 64,000 | 136,000 | 220,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,666,000 | 3,738,000 | 3,772,000 | 3,716,000 |
| Total capital | 3,998,000 | 4,072,000 | 4,121,000 | 4,058,000 |
| Risk-weighted assets | 26,394,000 | 26,580,000 | 27,802,000 | 27,266,000 |