Call reports 2010
FIRST TRUST & SAVINGS BANK — 2010
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 46,788,000 | 47,374,000 | 47,555,000 | 47,641,000 |
| Total loans | 19,612,000 | 20,213,000 | 20,019,000 | 20,504,000 |
| Allowance for loan losses | 544,000 | 543,000 | 435,000 | 354,000 |
| Securities available for sale | 22,443,000 | 22,328,000 | 23,162,000 | 22,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,376,000 | 34,505,000 | 33,391,000 | 37,452,000 |
| Interest-bearing deposits | 29,759,000 | 29,772,000 | 28,680,000 | 33,059,000 |
| Noninterest-bearing deposits | 4,617,000 | 4,733,000 | 4,711,000 | 4,393,000 |
| Equity capital | 4,524,000 | 4,406,000 | 4,742,000 | 4,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,163,000 | 1,748,000 | 2,323,000 |
| Interest expense | 191,000 | 378,000 | 568,000 | 748,000 |
| Net interest income | 388,000 | 785,000 | 1,180,000 | 1,575,000 |
| Noninterest income | 36,000 | 74,000 | -206,000 | -167,000 |
| Noninterest expense | 420,000 | 1,066,000 | 1,140,000 | 1,507,000 |
| Provision for loan losses | 115,000 | 115,000 | 115,000 | 125,000 |
| Pretax income | -11,000 | -198,000 | -157,000 | 108,000 |
| Income tax | 0 | 0 | 0 | -27,000 |
| Net income | -11,000 | -198,000 | -157,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,206,000 | 4,019,000 | 4,060,000 | 4,353,000 |
| Total capital | 4,600,000 | 4,426,000 | 4,436,000 | 4,707,000 |
| Risk-weighted assets | 31,401,000 | 32,431,000 | 31,721,000 | 31,250,000 |