Call reports 2016
FIRST TRUST & SAVINGS BANK — 2016
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 38,212,000 | 37,674,000 | 36,319,000 | 36,221,000 |
| Total loans | 17,802,000 | 17,240,000 | 17,220,000 | 17,371,000 |
| Allowance for loan losses | 522,000 | 368,000 | 352,000 | 348,000 |
| Securities available for sale | 18,121,000 | 17,737,000 | 16,307,000 | 16,235,000 |
| Securities held to maturity | 30,000 | 30,000 | 30,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,027,000 | 33,411,000 | 31,541,000 | 32,108,000 |
| Interest-bearing deposits | 26,790,000 | 26,398,000 | 24,759,000 | 25,248,000 |
| Noninterest-bearing deposits | 7,237,000 | 7,013,000 | 6,782,000 | 6,860,000 |
| Equity capital | 3,993,000 | 4,055,000 | 4,046,000 | 3,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 273,000 | 549,000 | 871,000 | 1,139,000 |
| Interest expense | 14,000 | 30,000 | 45,000 | 61,000 |
| Net interest income | 259,000 | 519,000 | 826,000 | 1,078,000 |
| Noninterest income | 19,000 | 105,000 | 148,000 | 117,000 |
| Noninterest expense | 302,000 | 568,000 | 862,000 | 1,172,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 105,000 |
| Pretax income | -81,000 | -71,000 | -22,000 | -44,000 |
| Income tax | -13,000 | 0 | 0 | 10,000 |
| Net income | -68,000 | -71,000 | -22,000 | -54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,801,000 | 3,800,000 | 3,847,000 | 3,835,000 |
| Total capital | 4,118,000 | 4,116,000 | 4,158,000 | 4,150,000 |
| Risk-weighted assets | 25,197,000 | 25,267,000 | 24,865,000 | 25,183,000 |