Call reports 2011
FIRST TRUST & SAVINGS BANK — 2011
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 46,113,000 | 46,258,000 | 45,327,000 | 46,675,000 |
| Total loans | 20,238,000 | 21,229,000 | 21,964,000 | 22,066,000 |
| Allowance for loan losses | 287,000 | 285,000 | 320,000 | 228,000 |
| Securities available for sale | 16,509,000 | 19,085,000 | 17,910,000 | 18,107,000 |
| Securities held to maturity | 998,000 | 887,000 | 887,000 | 886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,345,000 | 40,998,000 | 39,099,000 | 40,433,000 |
| Interest-bearing deposits | 34,705,000 | 34,886,000 | 32,849,000 | 33,985,000 |
| Noninterest-bearing deposits | 6,640,000 | 6,112,000 | 6,250,000 | 6,448,000 |
| Equity capital | 4,064,000 | 4,242,000 | 4,477,000 | 4,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 840,000 | 1,281,000 | 1,707,000 |
| Interest expense | 120,000 | 236,000 | 347,000 | 447,000 |
| Net interest income | 284,000 | 604,000 | 934,000 | 1,260,000 |
| Noninterest income | 27,000 | 75,000 | 128,000 | 160,000 |
| Noninterest expense | 336,000 | 638,000 | 942,000 | 1,269,000 |
| Provision for loan losses | 10,000 | 15,000 | 70,000 | 188,000 |
| Pretax income | -35,000 | 26,000 | 50,000 | -37,000 |
| Income tax | 0 | 1,000 | 3,000 | -3,000 |
| Net income | -35,000 | 25,000 | 47,000 | -34,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,093,000 | 4,153,000 | 4,175,000 | 4,092,000 |
| Total capital | 4,380,000 | 4,438,000 | 4,495,000 | 4,320,000 |
| Risk-weighted assets | 27,106,000 | 27,960,000 | 28,231,000 | 28,870,000 |