Call reports 2015
FIRST TRUST & SAVINGS BANK — 2015
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 51,814,000 | 52,214,000 | 50,269,000 | 51,845,000 |
| Total loans | 19,188,000 | 18,669,000 | 16,999,000 | 17,018,000 |
| Allowance for loan losses | 374,000 | 374,000 | 376,000 | 378,000 |
| Securities available for sale | 28,030,000 | 29,204,000 | 28,902,000 | 30,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,316,000 | 41,151,000 | 39,152,000 | 43,686,000 |
| Interest-bearing deposits | 36,337,000 | 36,813,000 | 34,373,000 | 36,529,000 |
| Noninterest-bearing deposits | 4,979,000 | 4,338,000 | 4,779,000 | 7,157,000 |
| Equity capital | 5,577,000 | 5,492,000 | 5,730,000 | 5,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 947,000 | 1,407,000 | 1,847,000 |
| Interest expense | 45,000 | 93,000 | 144,000 | 199,000 |
| Net interest income | 427,000 | 854,000 | 1,263,000 | 1,648,000 |
| Noninterest income | 28,000 | 43,000 | 71,000 | 1,000 |
| Noninterest expense | 386,000 | 727,000 | 1,073,000 | 1,451,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 230,000 | 332,000 | 451,000 | 458,000 |
| Income tax | 1,000 | 10,000 | 16,000 | 100,000 |
| Net income | 229,000 | 322,000 | 435,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,305,000 | 5,397,000 | 5,511,000 | 5,373,000 |
| Total capital | 5,679,000 | 5,771,000 | 5,880,000 | 5,751,000 |
| Risk-weighted assets | 31,665,000 | 30,774,000 | 29,541,000 | 31,260,000 |