Call reports 2005
FIRST TRUST AND SAVINGS BANK — 2005
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,929,000 | 106,428,000 | 104,898,000 | 107,804,000 |
| Total loans | 69,280,000 | 74,202,000 | 75,110,000 | 76,545,000 |
| Allowance for loan losses | 1,127,000 | 1,115,000 | 1,095,000 | 1,109,000 |
| Securities available for sale | 20,405,000 | 17,151,000 | 16,973,000 | 16,851,000 |
| Securities held to maturity | 5,818,000 | 5,218,000 | 5,212,000 | 5,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,647,000 | 93,670,000 | 91,856,000 | 93,320,000 |
| Interest-bearing deposits | 82,180,000 | 76,011,000 | 74,407,000 | 76,639,000 |
| Noninterest-bearing deposits | 17,467,000 | 17,659,000 | 17,449,000 | 16,681,000 |
| Equity capital | 7,982,000 | 8,479,000 | 8,760,000 | 8,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 3,031,000 | 4,727,000 | 6,409,000 |
| Interest expense | 476,000 | 966,000 | 1,524,000 | 2,130,000 |
| Net interest income | 992,000 | 2,065,000 | 3,203,000 | 4,279,000 |
| Noninterest income | 277,000 | 545,000 | 802,000 | 1,064,000 |
| Noninterest expense | 681,000 | 1,368,000 | 2,102,000 | 2,892,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 75,000 |
| Pretax income | 588,000 | 1,242,000 | 1,888,000 | 2,376,000 |
| Income tax | 42,000 | 84,000 | 126,000 | 154,000 |
| Net income | 546,000 | 1,158,000 | 1,762,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,282,000 | 8,644,000 | 9,023,000 | 9,208,000 |
| Total capital | 9,152,000 | 9,534,000 | 9,916,000 | 10,115,000 |
| Risk-weighted assets | 69,362,000 | 70,939,000 | 71,268,000 | 72,333,000 |