Call reports 2014
FIRST TRUST & SAVINGS BANK — 2014
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 48,683,000 | 50,235,000 | 51,145,000 | 54,653,000 |
| Total loans | 18,470,000 | 18,517,000 | 19,649,000 | 19,826,000 |
| Allowance for loan losses | 353,000 | 365,000 | 370,000 | 370,000 |
| Securities available for sale | 25,569,000 | 26,362,000 | 26,767,000 | 28,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,950,000 | 42,712,000 | 39,805,000 | 47,698,000 |
| Interest-bearing deposits | 36,077,000 | 37,651,000 | 35,069,000 | 40,287,000 |
| Noninterest-bearing deposits | 4,873,000 | 5,061,000 | 4,736,000 | 7,411,000 |
| Equity capital | 5,189,000 | 5,282,000 | 5,357,000 | 5,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 468,000 | 920,000 | 1,394,000 | 1,871,000 |
| Interest expense | 52,000 | 103,000 | 152,000 | 201,000 |
| Net interest income | 416,000 | 817,000 | 1,242,000 | 1,670,000 |
| Noninterest income | 30,000 | 62,000 | 93,000 | 123,000 |
| Noninterest expense | 411,000 | 825,000 | 1,208,000 | 1,692,000 |
| Provision for loan losses | 15,000 | 30,000 | 35,000 | 35,000 |
| Pretax income | 50,000 | 53,000 | 221,000 | 288,000 |
| Income tax | 0 | 7,000 | 11,000 | 34,000 |
| Net income | 50,000 | 46,000 | 210,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,921,000 | 4,917,000 | 5,081,000 | 5,075,000 |
| Total capital | 5,274,000 | 5,282,000 | 5,450,000 | 5,445,000 |
| Risk-weighted assets | 30,546,000 | 31,168,000 | 30,853,000 | 33,456,000 |