Call reports 2015
FIRST TRUST & SAVINGS BANK — 2015
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 42,495,000 | 39,890,000 | 38,322,000 | 39,769,000 |
| Total loans | 17,224,000 | 16,634,000 | 17,227,000 | 17,803,000 |
| Allowance for loan losses | 283,000 | 338,000 | 338,000 | 580,000 |
| Securities available for sale | 22,141,000 | 20,138,000 | 18,455,000 | 19,552,000 |
| Securities held to maturity | 30,000 | 30,000 | 30,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,891,000 | 35,008,000 | 33,858,000 | 34,332,000 |
| Interest-bearing deposits | 29,464,000 | 28,061,000 | 26,823,000 | 27,046,000 |
| Noninterest-bearing deposits | 7,427,000 | 6,947,000 | 7,035,000 | 7,286,000 |
| Equity capital | 4,467,000 | 4,191,000 | 4,214,000 | 4,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 319,000 | 585,000 | 875,000 | 1,145,000 |
| Interest expense | 22,000 | 45,000 | 63,000 | 78,000 |
| Net interest income | 297,000 | 540,000 | 812,000 | 1,067,000 |
| Noninterest income | 25,000 | 68,000 | 91,000 | 138,000 |
| Noninterest expense | 317,000 | 616,000 | 925,000 | 1,239,000 |
| Provision for loan losses | 0 | 121,000 | 153,000 | 392,000 |
| Pretax income | 54,000 | -70,000 | -111,000 | -351,000 |
| Income tax | 2,000 | 0 | 0 | -17,000 |
| Net income | 52,000 | -70,000 | -111,000 | -334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,255,000 | 4,132,000 | 4,092,000 | 3,869,000 |
| Total capital | 4,538,000 | 4,451,000 | 4,415,000 | 4,211,000 |
| Risk-weighted assets | 26,166,000 | 25,514,000 | 25,867,000 | 27,161,000 |