Call reports 2009
FIRST TRUST & SAVINGS BANK — 2009
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,043,000 | 38,229,000 | 38,408,000 | 39,908,000 |
| Total loans | 22,999,000 | 22,741,000 | 23,516,000 | 22,638,000 |
| Allowance for loan losses | 309,000 | 225,000 | 277,000 | 264,000 |
| Securities available for sale | 6,897,000 | 10,087,000 | 10,001,000 | 8,987,000 |
| Securities held to maturity | 1,440,000 | 1,346,000 | 1,345,000 | 1,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,348,000 | 33,577,000 | 32,977,000 | 35,051,000 |
| Interest-bearing deposits | 26,759,000 | 27,955,000 | 27,686,000 | 29,045,000 |
| Noninterest-bearing deposits | 5,589,000 | 5,622,000 | 5,292,000 | 6,006,000 |
| Equity capital | 4,141,000 | 4,081,000 | 4,107,000 | 4,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 917,000 | 1,393,000 | 1,854,000 |
| Interest expense | 123,000 | 251,000 | 376,000 | 496,000 |
| Net interest income | 337,000 | 666,000 | 1,017,000 | 1,358,000 |
| Noninterest income | 19,000 | 69,000 | 110,000 | 144,000 |
| Noninterest expense | 249,000 | 558,000 | 888,000 | 1,219,000 |
| Provision for loan losses | 0 | 0 | 53,000 | 68,000 |
| Pretax income | 107,000 | 177,000 | 186,000 | 215,000 |
| Income tax | 6,000 | 12,000 | 14,000 | 10,000 |
| Net income | 101,000 | 165,000 | 172,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,002,000 | 4,010,000 | 4,006,000 | 4,038,000 |
| Total capital | 4,311,000 | 4,235,000 | 4,283,000 | 4,302,000 |
| Risk-weighted assets | 27,356,000 | 27,262,000 | 28,000,000 | 27,713,000 |