Call reports 2023
FIRST TRUST & SAVINGS BANK — 2023
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 59,362,000 | 61,211,000 | 58,140,000 | 57,287,000 |
| Total loans | 10,437,000 | 11,157,000 | 10,969,000 | 11,666,000 |
| Allowance for loan losses | 114,000 | 114,000 | 114,000 | 114,000 |
| Securities available for sale | 43,230,000 | 41,742,000 | 40,523,000 | 40,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,229,000 | 54,328,000 | 42,854,000 | 49,570,000 |
| Interest-bearing deposits | 49,395,000 | 47,251,000 | 36,800,000 | 43,559,000 |
| Noninterest-bearing deposits | 5,834,000 | 7,077,000 | 6,054,000 | 6,011,000 |
| Equity capital | 3,326,000 | 2,964,000 | 2,556,000 | 3,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 958,000 | 1,426,000 | 1,902,000 |
| Interest expense | 209,000 | 437,000 | 775,000 | 1,057,000 |
| Net interest income | 261,000 | 521,000 | 651,000 | 845,000 |
| Noninterest income | 16,000 | 33,000 | 49,000 | 68,000 |
| Noninterest expense | 370,000 | 720,000 | 1,069,000 | 1,442,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -201,000 | -274,000 | -475,000 | -615,000 |
| Income tax | 0 | 0 | 0 | -240,000 |
| Net income | -201,000 | -274,000 | -475,000 | -375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,315,000 | 6,243,000 | 6,041,000 | 6,141,000 |
| Total capital | 6,429,000 | 6,357,000 | 6,155,000 | 6,255,000 |
| Risk-weighted assets | 32,437,000 | 33,961,000 | 33,158,000 | 32,782,000 |