Call reports 2013
FIRST TRUST & SAVINGS BANK — 2013
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 49,674,000 | 50,503,000 | 49,501,000 | 51,100,000 |
| Total loans | 19,364,000 | 19,619,000 | 19,355,000 | 19,696,000 |
| Allowance for loan losses | 293,000 | 309,000 | 323,000 | 338,000 |
| Securities available for sale | 25,538,000 | 25,671,000 | 25,029,000 | 26,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,010,000 | 39,785,000 | 36,647,000 | 42,187,000 |
| Interest-bearing deposits | 36,849,000 | 35,526,000 | 32,731,000 | 36,991,000 |
| Noninterest-bearing deposits | 6,161,000 | 4,259,000 | 3,916,000 | 5,196,000 |
| Equity capital | 5,294,000 | 5,060,000 | 5,022,000 | 4,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 475,000 | 935,000 | 1,403,000 | 1,881,000 |
| Interest expense | 69,000 | 130,000 | 186,000 | 238,000 |
| Net interest income | 406,000 | 805,000 | 1,217,000 | 1,643,000 |
| Noninterest income | 29,000 | 54,000 | 86,000 | 120,000 |
| Noninterest expense | 413,000 | 775,000 | 1,134,000 | 1,577,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 45,000 | 97,000 | 280,000 | 290,000 |
| Income tax | 0 | 9,000 | 9,000 | 56,000 |
| Net income | 45,000 | 88,000 | 271,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,722,000 | 4,765,000 | 4,947,000 | 4,871,000 |
| Total capital | 5,015,000 | 5,074,000 | 5,270,000 | 5,209,000 |
| Risk-weighted assets | 34,142,000 | 33,429,000 | 33,415,000 | 33,850,000 |