Call reports 2003
FIRST TRUST & SAVINGS BANK — 2003
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,126,000 | 34,195,000 | 31,766,000 | 33,870,000 |
| Total loans | 13,416,000 | 13,560,000 | 13,941,000 | 12,976,000 |
| Allowance for loan losses | 386,000 | 385,000 | 386,000 | 386,000 |
| Securities available for sale | 14,129,000 | 14,204,000 | 13,569,000 | 17,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,612,000 | 23,864,000 | 21,473,000 | 23,624,000 |
| Interest-bearing deposits | 17,644,000 | 18,967,000 | 17,697,000 | 18,612,000 |
| Noninterest-bearing deposits | 3,968,000 | 4,897,000 | 3,776,000 | 5,012,000 |
| Equity capital | 4,436,000 | 4,657,000 | 4,589,000 | 4,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 427,000 | 851,000 | 1,253,000 | 1,633,000 |
| Interest expense | 151,000 | 297,000 | 438,000 | 573,000 |
| Net interest income | 276,000 | 554,000 | 815,000 | 1,060,000 |
| Noninterest income | 59,000 | 134,000 | 253,000 | 310,000 |
| Noninterest expense | 297,000 | 553,000 | 827,000 | 1,108,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 182,000 | 379,000 | 406,000 |
| Income tax | 0 | 13,000 | 20,000 | 112,000 |
| Net income | 77,000 | 169,000 | 359,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,169,000 | 4,261,000 | 4,451,000 | 4,346,000 |
| Total capital | 4,424,000 | 4,520,000 | 4,696,000 | 4,586,000 |
| Risk-weighted assets | 20,269,000 | 20,603,000 | 19,476,000 | 19,042,000 |