Call reports 2003
FIRST TRUST AND SAVINGS BANK — 2003
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 112,280,000 | 105,619,000 | 109,926,000 | 106,050,000 |
| Total loans | 59,396,000 | 62,357,000 | 64,723,000 | 63,825,000 |
| Allowance for loan losses | 935,000 | 941,000 | 952,000 | 951,000 |
| Securities available for sale | 27,531,000 | 23,486,000 | 26,520,000 | 24,847,000 |
| Securities held to maturity | 5,808,000 | 5,186,000 | 5,732,000 | 5,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,068,000 | 97,196,000 | 101,451,000 | 97,426,000 |
| Interest-bearing deposits | 89,252,000 | 83,220,000 | 87,326,000 | 84,468,000 |
| Noninterest-bearing deposits | 14,816,000 | 13,976,000 | 14,125,000 | 12,958,000 |
| Equity capital | 7,545,000 | 7,808,000 | 7,842,000 | 7,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,386,000 | 2,809,000 | 4,155,000 | 5,531,000 |
| Interest expense | 532,000 | 1,034,000 | 1,528,000 | 1,986,000 |
| Net interest income | 854,000 | 1,775,000 | 2,627,000 | 3,545,000 |
| Noninterest income | 266,000 | 503,000 | 782,000 | 762,000 |
| Noninterest expense | 657,000 | 1,374,000 | 2,013,000 | 2,669,000 |
| Provision for loan losses | 41,000 | 41,000 | 81,000 | 111,000 |
| Pretax income | 443,000 | 901,000 | 1,353,000 | 1,502,000 |
| Income tax | 26,000 | 68,000 | 110,000 | 152,000 |
| Net income | 417,000 | 833,000 | 1,243,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,315,000 | 7,533,000 | 7,696,000 | 7,807,000 |
| Total capital | 8,143,000 | 8,344,000 | 8,510,000 | 8,612,000 |
| Risk-weighted assets | 65,342,000 | 63,822,000 | 65,021,000 | 64,227,000 |