Call reports 2012
FIRST TRUST & SAVINGS BANK — 2012
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 49,328,000 | 49,163,000 | 47,541,000 | 50,625,000 |
| Total loans | 18,309,000 | 17,157,000 | 19,104,000 | 19,318,000 |
| Allowance for loan losses | 233,000 | 249,000 | 263,000 | 280,000 |
| Securities available for sale | 26,141,000 | 26,029,000 | 23,262,000 | 23,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,418,000 | 40,099,000 | 37,786,000 | 44,138,000 |
| Interest-bearing deposits | 35,456,000 | 35,972,000 | 32,395,000 | 38,059,000 |
| Noninterest-bearing deposits | 3,962,000 | 4,127,000 | 5,391,000 | 6,079,000 |
| Equity capital | 5,152,000 | 5,246,000 | 5,405,000 | 5,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,018,000 | 1,506,000 | 1,981,000 |
| Interest expense | 127,000 | 243,000 | 351,000 | 431,000 |
| Net interest income | 397,000 | 775,000 | 1,155,000 | 1,550,000 |
| Noninterest income | -143,000 | -118,000 | -105,000 | -135,000 |
| Noninterest expense | 296,000 | 692,000 | 1,026,000 | 1,536,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -7,000 | 13,000 | 247,000 | 227,000 |
| Income tax | 0 | 0 | 0 | 21,000 |
| Net income | -7,000 | 13,000 | 247,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,494,000 | 4,514,000 | 4,748,000 | 4,677,000 |
| Total capital | 4,727,000 | 4,763,000 | 5,011,000 | 4,957,000 |
| Risk-weighted assets | 31,241,000 | 34,283,000 | 32,089,000 | 30,882,000 |