Call reports 2011
FIRST TRUST & SAVINGS BANK — 2011
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 47,443,000 | 48,818,000 | 47,739,000 | 49,836,000 |
| Total loans | 19,723,000 | 19,191,000 | 18,236,000 | 17,588,000 |
| Allowance for loan losses | 406,000 | 419,000 | 434,000 | 469,000 |
| Securities available for sale | 23,335,000 | 25,423,000 | 24,765,000 | 26,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,518,000 | 37,000,000 | 36,273,000 | 40,038,000 |
| Interest-bearing deposits | 32,826,000 | 31,539,000 | 31,770,000 | 34,248,000 |
| Noninterest-bearing deposits | 4,692,000 | 5,461,000 | 4,503,000 | 5,790,000 |
| Equity capital | 4,680,000 | 4,939,000 | 5,153,000 | 5,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 563,000 | 1,125,000 | 1,670,000 | 2,194,000 |
| Interest expense | 158,000 | 313,000 | 457,000 | 588,000 |
| Net interest income | 405,000 | 812,000 | 1,213,000 | 1,606,000 |
| Noninterest income | -24,000 | 13,000 | 49,000 | 80,000 |
| Noninterest expense | 404,000 | 810,000 | 1,164,000 | 1,526,000 |
| Provision for loan losses | 50,000 | 65,000 | 80,000 | 115,000 |
| Pretax income | -54,000 | 49,000 | 145,000 | 253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -54,000 | 49,000 | 145,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,299,000 | 4,401,000 | 4,497,000 | 4,606,000 |
| Total capital | 4,698,000 | 4,792,000 | 4,863,000 | 4,996,000 |
| Risk-weighted assets | 31,889,000 | 31,354,000 | 29,220,000 | 31,649,000 |