Call reports 2008
FIRST TRUST & SAVINGS BANK — 2008
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,439,000 | 54,501,000 | 50,540,000 | 51,148,000 |
| Total loans | 22,666,000 | 22,255,000 | 21,694,000 | 21,628,000 |
| Allowance for loan losses | 254,000 | 269,000 | 282,000 | 294,000 |
| Securities available for sale | 25,814,000 | 27,247,000 | 24,022,000 | 24,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,334,000 | 36,504,000 | 35,497,000 | 38,014,000 |
| Interest-bearing deposits | 37,143,000 | 32,977,000 | 30,965,000 | 32,302,000 |
| Noninterest-bearing deposits | 4,191,000 | 3,527,000 | 4,532,000 | 5,712,000 |
| Equity capital | 4,786,000 | 4,415,000 | 3,721,000 | 4,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,505,000 | 2,218,000 | 2,891,000 |
| Interest expense | 454,000 | 836,000 | 1,165,000 | 1,477,000 |
| Net interest income | 325,000 | 669,000 | 1,053,000 | 1,414,000 |
| Noninterest income | 50,000 | 88,000 | 126,000 | 188,000 |
| Noninterest expense | 391,000 | 688,000 | 1,076,000 | 1,436,000 |
| Provision for loan losses | 240,000 | 310,000 | 330,000 | 345,000 |
| Pretax income | -146,000 | -68,000 | -401,000 | -352,000 |
| Income tax | 0 | 1,000 | 2,000 | -81,000 |
| Net income | -146,000 | -69,000 | -403,000 | -271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,566,000 | 4,643,000 | 4,309,000 | 4,439,000 |
| Total capital | 4,820,000 | 4,912,000 | 4,591,000 | 4,733,000 |
| Risk-weighted assets | 34,558,000 | 36,687,000 | 36,174,000 | 37,364,000 |