Call reports 2006
FIRST TRUST & SAVINGS BANK — 2006
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 42,731,000 | 44,908,000 | 46,732,000 | 49,970,000 |
| Total loans | 23,944,000 | 22,399,000 | 23,970,000 | 22,401,000 |
| Allowance for loan losses | 317,000 | 310,000 | 327,000 | 262,000 |
| Securities available for sale | 14,932,000 | 17,893,000 | 19,214,000 | 22,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,748,000 | 32,822,000 | 32,421,000 | 38,666,000 |
| Interest-bearing deposits | 27,514,000 | 28,326,000 | 28,259,000 | 33,803,000 |
| Noninterest-bearing deposits | 4,234,000 | 4,496,000 | 4,162,000 | 4,863,000 |
| Equity capital | 4,429,000 | 4,504,000 | 4,709,000 | 4,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,223,000 | 1,892,000 | 2,605,000 |
| Interest expense | 298,000 | 608,000 | 965,000 | 1,370,000 |
| Net interest income | 310,000 | 615,000 | 927,000 | 1,235,000 |
| Noninterest income | 36,000 | 138,000 | 175,000 | 216,000 |
| Noninterest expense | 333,000 | 568,000 | 889,000 | 1,214,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -3,000 | 154,000 | 167,000 | 176,000 |
| Income tax | 0 | 0 | 0 | 15,000 |
| Net income | -3,000 | 154,000 | 167,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,551,000 | 4,350,000 | 4,721,000 | 4,666,000 |
| Total capital | 4,868,000 | 4,660,000 | 5,048,000 | 4,928,000 |
| Risk-weighted assets | 32,105,000 | 31,508,000 | 33,203,000 | 32,628,000 |