Call reports 2024
FIRST TRUST & SAVINGS BANK — 2024
What FIRST TRUST & SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 55,344,000 | 57,706,000 | 51,604,000 | 52,873,000 |
| Total loans | 12,204,000 | 11,506,000 | 11,812,000 | 11,705,000 |
| Allowance for loan losses | 144,000 | 146,000 | 138,000 | 140,000 |
| Securities available for sale | 38,090,000 | 36,729,000 | 34,896,000 | 33,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,318,000 | 52,094,000 | 37,771,000 | 46,906,000 |
| Interest-bearing deposits | 43,737,000 | 46,028,000 | 33,294,000 | 41,377,000 |
| Noninterest-bearing deposits | 4,581,000 | 6,066,000 | 4,477,000 | 5,529,000 |
| Equity capital | 3,342,000 | 3,264,000 | 3,853,000 | 3,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 465,000 | 985,000 | 1,425,000 | 1,869,000 |
| Interest expense | 265,000 | 528,000 | 790,000 | 1,016,000 |
| Net interest income | 200,000 | 457,000 | 635,000 | 853,000 |
| Noninterest income | 17,000 | 33,000 | 58,000 | 76,000 |
| Noninterest expense | 386,000 | 740,000 | 1,101,000 | 1,494,000 |
| Provision for loan losses | 30,000 | 32,000 | 24,000 | 26,000 |
| Pretax income | -233,000 | -310,000 | -488,000 | -647,000 |
| Income tax | 0 | 0 | 0 | -234,000 |
| Net income | -233,000 | -310,000 | -488,000 | -413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,907,000 | 5,830,000 | 5,653,000 | 5,727,000 |
| Total capital | 6,051,000 | 5,976,000 | 5,791,000 | — |
| Risk-weighted assets | 31,321,000 | 32,520,000 | 28,529,000 | — |