Call reports 2014
FIRST TRUST & SAVINGS BANK — 2014
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 44,845,000 | 43,659,000 | 42,082,000 | 42,601,000 |
| Total loans | 17,421,000 | 17,240,000 | 16,842,000 | 17,270,000 |
| Allowance for loan losses | 339,000 | 331,000 | 328,000 | 310,000 |
| Securities available for sale | 23,739,000 | 22,285,000 | 20,658,000 | 21,812,000 |
| Securities held to maturity | 380,000 | 30,000 | 30,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,965,000 | 38,496,000 | 36,847,000 | 37,369,000 |
| Interest-bearing deposits | 32,179,000 | 29,285,000 | 28,123,000 | 28,790,000 |
| Noninterest-bearing deposits | 7,786,000 | 9,211,000 | 8,724,000 | 8,579,000 |
| Equity capital | 4,132,000 | 4,389,000 | 4,453,000 | 4,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 334,000 | 666,000 | 975,000 | 1,277,000 |
| Interest expense | 31,000 | 58,000 | 83,000 | 106,000 |
| Net interest income | 303,000 | 608,000 | 892,000 | 1,171,000 |
| Noninterest income | 33,000 | 70,000 | 110,000 | 153,000 |
| Noninterest expense | 311,000 | 615,000 | 910,000 | 1,233,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 64,000 | 110,000 | 178,000 |
| Income tax | 0 | 3,000 | 5,000 | 9,000 |
| Net income | 25,000 | 61,000 | 105,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,195,000 | 4,222,000 | 4,258,000 | 4,313,000 |
| Total capital | 4,522,000 | 4,535,000 | 4,562,000 | 4,623,000 |
| Risk-weighted assets | 26,165,000 | 25,043,000 | 24,323,000 | 24,782,000 |