Call reports 2004
FIRST TRUST & SAVINGS BANK — 2004
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 36,006,000 | 39,936,000 | 35,285,000 | 36,733,000 |
| Total loans | 13,081,000 | 16,732,000 | 18,100,000 | 19,988,000 |
| Allowance for loan losses | 386,000 | 384,000 | 384,000 | 384,000 |
| Securities available for sale | 19,474,000 | 19,419,000 | 13,478,000 | 12,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,929,000 | 22,360,000 | 22,410,000 | 25,513,000 |
| Interest-bearing deposits | 17,778,000 | 18,776,000 | 18,725,000 | 20,364,000 |
| Noninterest-bearing deposits | 4,151,000 | 3,584,000 | 3,685,000 | 5,149,000 |
| Equity capital | 4,525,000 | 4,318,000 | 4,461,000 | 4,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 399,000 | 825,000 | 1,251,000 | 1,678,000 |
| Interest expense | 136,000 | 280,000 | 445,000 | 611,000 |
| Net interest income | 263,000 | 545,000 | 806,000 | 1,067,000 |
| Noninterest income | 51,000 | 102,000 | 157,000 | 206,000 |
| Noninterest expense | 312,000 | 561,000 | 830,000 | 1,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 102,000 | 164,000 | 218,000 |
| Income tax | 0 | 57,000 | 86,000 | 31,000 |
| Net income | 18,000 | 45,000 | 78,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,364,000 | 4,392,000 | 4,425,000 | 4,484,000 |
| Total capital | 4,612,000 | 4,688,000 | 4,753,000 | 4,830,000 |
| Risk-weighted assets | 19,685,000 | 23,579,000 | 26,179,000 | 27,646,000 |