Call reports 2006
FIRST TRUST & SAVINGS BANK — 2006
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 34,866,000 | 33,931,000 | 34,206,000 | 36,223,000 |
| Total loans | 24,650,000 | 24,433,000 | 24,043,000 | 23,277,000 |
| Allowance for loan losses | 476,000 | 468,000 | 468,000 | 466,000 |
| Securities available for sale | 5,675,000 | 6,141,000 | 6,219,000 | 6,233,000 |
| Securities held to maturity | 2,391,000 | 1,589,000 | 1,588,000 | 1,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,476,000 | 28,709,000 | 28,799,000 | 31,448,000 |
| Interest-bearing deposits | 25,377,000 | 24,574,000 | 24,898,000 | 26,177,000 |
| Noninterest-bearing deposits | 4,099,000 | 4,135,000 | 3,901,000 | 5,271,000 |
| Equity capital | 3,481,000 | 3,531,000 | 3,690,000 | 3,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 515,000 | 1,048,000 | 1,586,000 | 2,142,000 |
| Interest expense | 176,000 | 370,000 | 593,000 | 832,000 |
| Net interest income | 339,000 | 678,000 | 993,000 | 1,310,000 |
| Noninterest income | 31,000 | 73,000 | 159,000 | 215,000 |
| Noninterest expense | 303,000 | 606,000 | 901,000 | 1,192,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 145,000 | 251,000 | 333,000 |
| Income tax | 4,000 | 9,000 | 16,000 | 14,000 |
| Net income | 63,000 | 136,000 | 235,000 | 319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,614,000 | 3,687,000 | 3,766,000 | 3,800,000 |
| Total capital | 3,947,000 | 4,009,000 | 4,093,000 | 4,123,000 |
| Risk-weighted assets | 26,530,000 | 25,596,000 | 26,018,000 | 25,678,000 |