Call reports 2002
FIRST TRUST AND SAVINGS BANK — 2002
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 84,727,000 | 85,390,000 | 94,185,000 | 100,925,000 |
| Total loans | 56,544,000 | 58,707,000 | 58,426,000 | 58,862,000 |
| Allowance for loan losses | 861,000 | 906,000 | 951,000 | 936,000 |
| Securities available for sale | 7,082,000 | 10,311,000 | 16,401,000 | 21,868,000 |
| Securities held to maturity | 5,227,000 | 4,790,000 | 4,768,000 | 5,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,963,000 | 78,310,000 | 86,752,000 | 93,117,000 |
| Interest-bearing deposits | 64,424,000 | 64,690,000 | 72,759,000 | 79,466,000 |
| Noninterest-bearing deposits | 13,539,000 | 13,620,000 | 13,993,000 | 13,651,000 |
| Equity capital | 6,201,000 | 6,568,000 | 6,843,000 | 7,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,297,000 | 2,668,000 | 4,055,000 | 5,419,000 |
| Interest expense | 501,000 | 998,000 | 1,505,000 | 2,015,000 |
| Net interest income | 796,000 | 1,670,000 | 2,550,000 | 3,404,000 |
| Noninterest income | 249,000 | 501,000 | 761,000 | 1,024,000 |
| Noninterest expense | 619,000 | 1,245,000 | 1,878,000 | 2,481,000 |
| Provision for loan losses | 0 | 85,000 | 210,000 | 285,000 |
| Pretax income | 426,000 | 841,000 | 1,223,000 | 1,662,000 |
| Income tax | 18,000 | 42,000 | 69,000 | 111,000 |
| Net income | 408,000 | 799,000 | 1,154,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,223,000 | 6,465,000 | 6,672,000 | 6,896,000 |
| Total capital | 6,905,000 | 7,175,000 | 7,398,000 | 7,685,000 |
| Risk-weighted assets | 54,365,000 | 56,632,000 | 57,878,000 | 62,245,000 |