Call reports 2007
FIRST TRUST & SAVINGS BANK — 2007
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 36,173,000 | 34,375,000 | 33,428,000 | 36,116,000 |
| Total loans | 21,034,000 | 21,840,000 | 21,831,000 | 22,695,000 |
| Allowance for loan losses | 467,000 | 467,000 | 432,000 | 410,000 |
| Securities available for sale | 6,246,000 | 6,713,000 | 6,199,000 | 7,258,000 |
| Securities held to maturity | 1,273,000 | 929,000 | 1,329,000 | 1,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,743,000 | 29,903,000 | 28,916,000 | 31,605,000 |
| Interest-bearing deposits | 26,691,000 | 25,943,000 | 24,632,000 | 26,420,000 |
| Noninterest-bearing deposits | 5,053,000 | 3,960,000 | 4,284,000 | 5,185,000 |
| Equity capital | 3,628,000 | 3,696,000 | 3,852,000 | 3,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,101,000 | 1,650,000 | 2,208,000 |
| Interest expense | 229,000 | 456,000 | 681,000 | 908,000 |
| Net interest income | 316,000 | 645,000 | 969,000 | 1,300,000 |
| Noninterest income | 25,000 | 73,000 | 117,000 | 175,000 |
| Noninterest expense | 273,000 | 559,000 | 853,000 | 1,160,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 159,000 | 233,000 | 315,000 |
| Income tax | 4,000 | 10,000 | 16,000 | 15,000 |
| Net income | 64,000 | 149,000 | 217,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,673,000 | 3,759,000 | 3,828,000 | 3,891,000 |
| Total capital | 3,976,000 | 4,070,000 | 4,137,000 | 4,214,000 |
| Risk-weighted assets | 24,077,000 | 24,739,000 | 24,610,000 | 25,768,000 |