Call reports 2007
FIRST TRUST AND SAVINGS BANK — 2007
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 120,076,000 | 119,524,000 | 119,025,000 | 119,490,000 |
| Total loans | 82,104,000 | 81,832,000 | 80,115,000 | 80,716,000 |
| Allowance for loan losses | 1,223,000 | 1,248,000 | 1,312,000 | 1,407,000 |
| Securities available for sale | 16,325,000 | 17,298,000 | 17,413,000 | 18,934,000 |
| Securities held to maturity | 5,320,000 | 4,814,000 | 4,496,000 | 5,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,705,000 | 103,079,000 | 102,201,000 | 102,260,000 |
| Interest-bearing deposits | 86,849,000 | 84,322,000 | 85,112,000 | 86,300,000 |
| Noninterest-bearing deposits | 16,856,000 | 18,757,000 | 17,089,000 | 15,960,000 |
| Equity capital | 10,226,000 | 10,487,000 | 10,979,000 | 11,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,029,000 | 4,102,000 | 6,155,000 | 8,165,000 |
| Interest expense | 962,000 | 1,949,000 | 2,926,000 | 3,892,000 |
| Net interest income | 1,067,000 | 2,153,000 | 3,229,000 | 4,273,000 |
| Noninterest income | 247,000 | 510,000 | 753,000 | 1,006,000 |
| Noninterest expense | 777,000 | 1,545,000 | 2,317,000 | 3,133,000 |
| Provision for loan losses | 180,000 | 275,000 | 445,000 | 920,000 |
| Pretax income | 357,000 | 843,000 | 1,220,000 | 1,226,000 |
| Income tax | 44,000 | 89,000 | 133,000 | 133,000 |
| Net income | 313,000 | 754,000 | 1,087,000 | 1,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,306,000 | 10,598,000 | 10,931,000 | 10,936,000 |
| Total capital | 11,273,000 | 11,555,000 | 11,895,000 | 11,916,000 |
| Risk-weighted assets | 77,137,000 | 76,230,000 | 76,811,000 | 77,991,000 |