Call reports 2016
FIRST TRUST & SAVINGS BANK — 2016
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 54,409,000 | 53,669,000 | 52,945,000 | 52,337,000 |
| Total loans | 16,804,000 | 16,836,000 | 16,745,000 | 15,875,000 |
| Allowance for loan losses | 369,000 | 369,000 | 366,000 | 256,000 |
| Securities available for sale | 32,019,000 | 32,194,000 | 30,893,000 | 31,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,749,000 | 43,137,000 | 36,329,000 | 42,079,000 |
| Interest-bearing deposits | 34,405,000 | 37,122,000 | 30,381,000 | 35,171,000 |
| Noninterest-bearing deposits | 6,344,000 | 6,015,000 | 5,948,000 | 6,908,000 |
| Equity capital | 5,782,000 | 6,068,000 | 6,199,000 | 5,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 909,000 | 1,352,000 | 1,792,000 |
| Interest expense | 59,000 | 121,000 | 189,000 | 260,000 |
| Net interest income | 399,000 | 788,000 | 1,163,000 | 1,532,000 |
| Noninterest income | 30,000 | 55,000 | 82,000 | 104,000 |
| Noninterest expense | 357,000 | 726,000 | 1,024,000 | 1,421,000 |
| Provision for loan losses | 0 | 0 | 0 | -110,000 |
| Pretax income | 72,000 | 166,000 | 395,000 | 508,000 |
| Income tax | 4,000 | 4,000 | 7,000 | 74,000 |
| Net income | 68,000 | 162,000 | 388,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,441,000 | 5,535,000 | 5,761,000 | 5,339,000 |
| Total capital | 5,810,000 | 5,904,000 | 6,127,000 | 5,595,000 |
| Risk-weighted assets | 32,506,000 | 32,115,000 | 31,936,000 | 31,045,000 |