Call reports 2004
FIRST TRUST AND SAVINGS BANK — 2004
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 106,293,000 | 103,002,000 | 101,444,000 | 104,064,000 |
| Total loans | 65,705,000 | 66,157,000 | 68,476,000 | 67,552,000 |
| Allowance for loan losses | 984,000 | 1,082,000 | 1,095,000 | 1,141,000 |
| Securities available for sale | 24,337,000 | 18,857,000 | 17,356,000 | 16,930,000 |
| Securities held to maturity | 5,842,000 | 5,583,000 | 5,578,000 | 5,814,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,548,000 | 93,079,000 | 91,173,000 | 93,850,000 |
| Interest-bearing deposits | 81,525,000 | 78,462,000 | 75,622,000 | 77,958,000 |
| Noninterest-bearing deposits | 15,023,000 | 14,617,000 | 15,551,000 | 15,892,000 |
| Equity capital | 7,964,000 | 7,594,000 | 7,971,000 | 7,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,773,000 | 4,150,000 | 5,581,000 |
| Interest expense | 439,000 | 865,000 | 1,278,000 | 1,710,000 |
| Net interest income | 932,000 | 1,908,000 | 2,872,000 | 3,871,000 |
| Noninterest income | 220,000 | 492,000 | 746,000 | 1,017,000 |
| Noninterest expense | 606,000 | 1,231,000 | 1,918,000 | 2,626,000 |
| Provision for loan losses | 60,000 | 331,000 | 361,000 | 406,000 |
| Pretax income | 486,000 | 838,000 | 1,339,000 | 1,856,000 |
| Income tax | 42,000 | 84,000 | 126,000 | 168,000 |
| Net income | 444,000 | 754,000 | 1,213,000 | 1,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,753,000 | 7,814,000 | 8,026,000 | 8,103,000 |
| Total capital | 8,579,000 | 8,626,000 | 8,859,000 | 8,933,000 |
| Risk-weighted assets | 65,883,000 | 64,664,000 | 66,371,000 | 66,098,000 |