Call reports 2013
FIRST TRUST & SAVINGS BANK — 2013
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 45,932,000 | 44,796,000 | 44,331,000 | 44,394,000 |
| Total loans | 15,617,000 | 16,206,000 | 16,544,000 | 17,560,000 |
| Allowance for loan losses | 349,000 | 353,000 | 339,000 | 339,000 |
| Securities available for sale | 21,809,000 | 22,779,000 | 22,102,000 | 23,250,000 |
| Securities held to maturity | 477,000 | 477,000 | 380,000 | 380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,619,000 | 40,150,000 | 39,517,000 | 39,171,000 |
| Interest-bearing deposits | 33,274,000 | 33,577,000 | 31,726,000 | 31,091,000 |
| Noninterest-bearing deposits | 7,345,000 | 6,573,000 | 7,791,000 | 8,080,000 |
| Equity capital | 4,554,000 | 3,904,000 | 4,066,000 | 3,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 329,000 | 658,000 | 978,000 | 1,305,000 |
| Interest expense | 51,000 | 94,000 | 134,000 | 167,000 |
| Net interest income | 278,000 | 564,000 | 844,000 | 1,138,000 |
| Noninterest income | 29,000 | 72,000 | 118,000 | 169,000 |
| Noninterest expense | 299,000 | 587,000 | 904,000 | 1,221,000 |
| Provision for loan losses | 18,000 | 23,000 | 22,000 | 23,000 |
| Pretax income | -10,000 | 26,000 | 157,000 | 184,000 |
| Income tax | 0 | 2,000 | 8,000 | 10,000 |
| Net income | -10,000 | 24,000 | 149,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,121,000 | 4,146,000 | 4,259,000 | 4,280,000 |
| Total capital | 4,409,000 | 4,430,000 | 4,557,000 | 4,599,000 |
| Risk-weighted assets | 22,951,000 | 23,399,000 | 23,765,000 | 25,520,000 |