Call reports 2006
FIRST TRUST AND SAVINGS BANK — 2006
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 112,476,000 | 113,933,000 | 111,972,000 | 113,221,000 |
| Total loans | 76,358,000 | 78,752,000 | 80,144,000 | 81,744,000 |
| Allowance for loan losses | 893,000 | 971,000 | 904,000 | 1,063,000 |
| Securities available for sale | 16,243,000 | 15,186,000 | 14,822,000 | 12,808,000 |
| Securities held to maturity | 4,810,000 | 4,689,000 | 4,469,000 | 5,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,888,000 | 98,184,000 | 95,850,000 | 97,111,000 |
| Interest-bearing deposits | 79,599,000 | 80,827,000 | 79,853,000 | 81,604,000 |
| Noninterest-bearing deposits | 17,289,000 | 17,357,000 | 15,997,000 | 15,507,000 |
| Equity capital | 9,096,000 | 9,385,000 | 9,867,000 | 9,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,663,000 | 5,625,000 | 7,554,000 |
| Interest expense | 687,000 | 1,451,000 | 2,277,000 | 3,152,000 |
| Net interest income | 1,105,000 | 2,212,000 | 3,348,000 | 4,402,000 |
| Noninterest income | 248,000 | 519,000 | 828,000 | 1,089,000 |
| Noninterest expense | 739,000 | 1,461,000 | 2,187,000 | 2,931,000 |
| Provision for loan losses | 95,000 | 200,000 | 355,000 | 535,000 |
| Pretax income | 519,000 | 1,018,000 | 1,582,000 | 1,973,000 |
| Income tax | 44,000 | 88,000 | 134,000 | 187,000 |
| Net income | 475,000 | 930,000 | 1,448,000 | 1,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,459,000 | 9,715,000 | 10,030,000 | 10,093,000 |
| Total capital | 10,352,000 | 10,645,000 | 10,934,000 | 11,051,000 |
| Risk-weighted assets | 73,531,000 | 74,329,000 | 74,552,000 | 76,506,000 |