Call reports 2005
FIRST TRUST & SAVINGS BANK — 2005
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,391,000 | 37,920,000 | 39,977,000 | 42,446,000 |
| Total loans | 21,869,000 | 22,590,000 | 23,045,000 | 24,662,000 |
| Allowance for loan losses | 358,000 | 381,000 | 353,000 | 302,000 |
| Securities available for sale | 11,717,000 | 11,718,000 | 12,722,000 | 13,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,883,000 | 26,271,000 | 27,181,000 | 29,540,000 |
| Interest-bearing deposits | 19,865,000 | 22,422,000 | 23,381,000 | 24,948,000 |
| Noninterest-bearing deposits | 4,018,000 | 3,849,000 | 3,800,000 | 4,592,000 |
| Equity capital | 4,440,000 | 4,519,000 | 4,510,000 | 4,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 459,000 | 959,000 | 1,456,000 | 2,015,000 |
| Interest expense | 172,000 | 369,000 | 587,000 | 837,000 |
| Net interest income | 287,000 | 590,000 | 869,000 | 1,178,000 |
| Noninterest income | 52,000 | 88,000 | 132,000 | 168,000 |
| Noninterest expense | 300,000 | 549,000 | 816,000 | 1,131,000 |
| Provision for loan losses | 5,000 | 40,000 | 60,000 | 75,000 |
| Pretax income | 29,000 | 84,000 | 120,000 | 135,000 |
| Income tax | 0 | 11,000 | 25,000 | 14,000 |
| Net income | 29,000 | 73,000 | 95,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,513,000 | 4,535,000 | 4,579,000 | 4,555,000 |
| Total capital | 4,871,000 | 4,907,000 | 4,932,000 | 4,857,000 |
| Risk-weighted assets | 29,155,000 | 29,712,000 | 31,351,000 | 32,785,000 |