Call reports 2007
FIRST TRUST & SAVINGS BANK — 2007
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,641,000 | 52,710,000 | 54,677,000 | 55,192,000 |
| Total loans | 23,233,000 | 23,560,000 | 25,288,000 | 23,575,000 |
| Allowance for loan losses | 276,000 | 281,000 | 296,000 | 285,000 |
| Securities available for sale | 21,976,000 | 24,308,000 | 25,043,000 | 26,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,926,000 | 36,717,000 | 35,945,000 | 37,637,000 |
| Interest-bearing deposits | 32,792,000 | 33,191,000 | 31,986,000 | 32,995,000 |
| Noninterest-bearing deposits | 4,134,000 | 3,526,000 | 3,959,000 | 4,642,000 |
| Equity capital | 4,668,000 | 4,440,000 | 4,641,000 | 4,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,490,000 | 2,284,000 | 3,088,000 |
| Interest expense | 418,000 | 880,000 | 1,375,000 | 1,877,000 |
| Net interest income | 306,000 | 610,000 | 909,000 | 1,211,000 |
| Noninterest income | 40,000 | 82,000 | 100,000 | 174,000 |
| Noninterest expense | 351,000 | 640,000 | 964,000 | 1,272,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 75,000 |
| Pretax income | -22,000 | 20,000 | 0 | 98,000 |
| Income tax | 0 | 0 | 1,000 | 2,000 |
| Net income | -22,000 | 20,000 | -1,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,644,000 | 4,686,000 | 4,665,000 | 4,712,000 |
| Total capital | 4,920,000 | 4,967,000 | 4,961,000 | 4,997,000 |
| Risk-weighted assets | 34,542,000 | 35,241,000 | 36,709,000 | 35,523,000 |