Call reports 2012
FIRST TRUST & SAVINGS BANK — 2012
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 45,571,000 | 44,358,000 | 45,098,000 | 44,496,000 |
| Total loans | 20,009,000 | 19,798,000 | 18,745,000 | 18,647,000 |
| Allowance for loan losses | 236,000 | 243,000 | 273,000 | 332,000 |
| Securities available for sale | 18,847,000 | 18,729,000 | 19,070,000 | 18,384,000 |
| Securities held to maturity | 886,000 | 660,000 | 660,000 | 477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,807,000 | 38,722,000 | 39,291,000 | 38,856,000 |
| Interest-bearing deposits | 33,731,000 | 32,196,000 | 31,153,000 | 32,056,000 |
| Noninterest-bearing deposits | 6,076,000 | 6,526,000 | 8,138,000 | 6,800,000 |
| Equity capital | 4,503,000 | 4,615,000 | 4,771,000 | 4,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 883,000 | 1,275,000 | 1,647,000 |
| Interest expense | 76,000 | 140,000 | 199,000 | 252,000 |
| Net interest income | 405,000 | 743,000 | 1,076,000 | 1,395,000 |
| Noninterest income | 20,000 | 37,000 | 95,000 | 142,000 |
| Noninterest expense | 319,000 | 622,000 | 933,000 | 1,241,000 |
| Provision for loan losses | 8,000 | 15,000 | 45,000 | 103,000 |
| Pretax income | 98,000 | 143,000 | 193,000 | 193,000 |
| Income tax | 5,000 | 7,000 | 9,000 | 6,000 |
| Net income | 93,000 | 136,000 | 184,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,182,000 | 4,214,000 | 4,250,000 | 4,142,000 |
| Total capital | 4,418,000 | 4,457,000 | 4,523,000 | 4,456,000 |
| Risk-weighted assets | 26,671,000 | 25,159,000 | 24,887,000 | 25,132,000 |