Call reports 2009
FIRST TRUST & SAVINGS BANK — 2009
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 48,880,000 | 51,381,000 | 46,924,000 | 47,568,000 |
| Total loans | 19,895,000 | 20,769,000 | 19,897,000 | 20,213,000 |
| Allowance for loan losses | 427,000 | 443,000 | 417,000 | 434,000 |
| Securities available for sale | 23,118,000 | 24,026,000 | 21,569,000 | 21,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,829,000 | 37,776,000 | 33,245,000 | 34,456,000 |
| Interest-bearing deposits | 31,575,000 | 32,776,000 | 28,964,000 | 30,149,000 |
| Noninterest-bearing deposits | 4,254,000 | 5,000,000 | 4,281,000 | 4,307,000 |
| Equity capital | 3,869,000 | 3,847,000 | 4,310,000 | 4,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 661,000 | 1,264,000 | 1,876,000 | 2,448,000 |
| Interest expense | 267,000 | 513,000 | 747,000 | 957,000 |
| Net interest income | 394,000 | 751,000 | 1,129,000 | 1,491,000 |
| Noninterest income | 37,000 | 82,000 | 119,000 | 166,000 |
| Noninterest expense | 388,000 | 746,000 | 1,124,000 | 1,545,000 |
| Provision for loan losses | 215,000 | 230,000 | 250,000 | 272,000 |
| Pretax income | -284,000 | -447,000 | -407,000 | -395,000 |
| Income tax | 0 | 0 | 0 | -173,000 |
| Net income | -284,000 | -447,000 | -407,000 | -222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,155,000 | 3,992,000 | 4,033,000 | 4,217,000 |
| Total capital | 4,580,000 | 4,420,000 | 4,435,000 | 4,621,000 |
| Risk-weighted assets | 34,370,000 | 34,193,000 | 32,219,000 | 32,314,000 |