Call reports 2008
FIRST TRUST & SAVINGS BANK — 2008
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 35,392,000 | 33,332,000 | 33,927,000 | 35,453,000 |
| Total loans | 20,892,000 | 20,415,000 | 22,459,000 | 22,855,000 |
| Allowance for loan losses | 409,000 | 409,000 | 396,000 | 396,000 |
| Securities available for sale | 6,401,000 | 6,298,000 | 6,283,000 | 6,387,000 |
| Securities held to maturity | 1,329,000 | 1,440,000 | 1,440,000 | 1,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,996,000 | 29,000,000 | 28,594,000 | 30,525,000 |
| Interest-bearing deposits | 25,939,000 | 24,580,000 | 23,801,000 | 24,789,000 |
| Noninterest-bearing deposits | 5,057,000 | 4,420,000 | 4,793,000 | 5,736,000 |
| Equity capital | 4,037,000 | 3,981,000 | 4,051,000 | 4,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 533,000 | 1,038,000 | 1,519,000 | 1,999,000 |
| Interest expense | 201,000 | 360,000 | 498,000 | 628,000 |
| Net interest income | 332,000 | 678,000 | 1,021,000 | 1,371,000 |
| Noninterest income | 30,000 | 68,000 | 122,000 | 187,000 |
| Noninterest expense | 314,000 | 612,000 | 910,000 | 1,221,000 |
| Provision for loan losses | 0 | 0 | 17,000 | 17,000 |
| Pretax income | 48,000 | 134,000 | 216,000 | 320,000 |
| Income tax | 0 | 8,000 | 14,000 | 15,000 |
| Net income | 48,000 | 126,000 | 202,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,829,000 | 3,897,000 | 3,973,000 | 4,066,000 |
| Total capital | 4,135,000 | 4,192,000 | 4,294,000 | 4,397,000 |
| Risk-weighted assets | 24,362,000 | 23,479,000 | 25,578,000 | 26,422,000 |