Call reports 2010
FIRST TRUST & SAVINGS BANK — 2010
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 38,001,000 | 38,614,000 | 41,437,000 | 43,813,000 |
| Total loans | 21,926,000 | 22,554,000 | 22,672,000 | 21,866,000 |
| Allowance for loan losses | 279,000 | 294,000 | 326,000 | 332,000 |
| Securities available for sale | 10,816,000 | 10,456,000 | 10,335,000 | 13,233,000 |
| Securities held to maturity | 1,166,000 | 1,084,000 | 999,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,467,000 | 33,483,000 | 35,640,000 | 38,568,000 |
| Interest-bearing deposits | 28,664,000 | 29,083,000 | 29,604,000 | 32,055,000 |
| Noninterest-bearing deposits | 4,803,000 | 4,400,000 | 6,036,000 | 6,513,000 |
| Equity capital | 4,103,000 | 4,217,000 | 4,277,000 | 4,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 883,000 | 1,358,000 | 1,812,000 |
| Interest expense | 111,000 | 220,000 | 331,000 | 449,000 |
| Net interest income | 323,000 | 663,000 | 1,027,000 | 1,363,000 |
| Noninterest income | 29,000 | 76,000 | 117,000 | 163,000 |
| Noninterest expense | 321,000 | 627,000 | 946,000 | 1,273,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 50,000 |
| Pretax income | 16,000 | 82,000 | 153,000 | 203,000 |
| Income tax | 1,000 | 5,000 | 10,000 | 10,000 |
| Net income | 15,000 | 77,000 | 143,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,053,000 | 4,108,000 | 4,165,000 | 4,205,000 |
| Total capital | 4,332,000 | 4,402,000 | 4,491,000 | 4,537,000 |
| Risk-weighted assets | 26,569,000 | 27,198,000 | 28,338,000 | 27,574,000 |