Call reports 2008
FIRST TRUST AND SAVINGS BANK — 2008
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 121,698,000 | 120,246,000 | 122,002,000 | 121,951,000 |
| Total loans | 83,361,000 | 84,942,000 | 86,683,000 | 87,129,000 |
| Allowance for loan losses | 1,364,000 | 1,033,000 | 1,047,000 | 1,116,000 |
| Securities available for sale | 18,853,000 | 16,060,000 | 15,213,000 | 14,650,000 |
| Securities held to maturity | 6,198,000 | 8,770,000 | 8,587,000 | 8,402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,042,000 | 102,104,000 | 102,994,000 | 102,299,000 |
| Interest-bearing deposits | 87,104,000 | 84,623,000 | 85,680,000 | 86,293,000 |
| Noninterest-bearing deposits | 16,938,000 | 17,481,000 | 17,314,000 | 16,006,000 |
| Equity capital | 11,575,000 | 11,625,000 | 12,123,000 | 12,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,933,000 | 3,882,000 | 5,794,000 | 7,722,000 |
| Interest expense | 913,000 | 1,732,000 | 2,490,000 | 3,234,000 |
| Net interest income | 1,020,000 | 2,150,000 | 3,304,000 | 4,488,000 |
| Noninterest income | 223,000 | 453,000 | 612,000 | 825,000 |
| Noninterest expense | 833,000 | 1,687,000 | 2,552,000 | 3,401,000 |
| Provision for loan losses | 15,000 | 92,000 | 149,000 | 283,000 |
| Pretax income | 395,000 | 824,000 | 1,215,000 | 1,629,000 |
| Income tax | 44,000 | 61,000 | 77,000 | 93,000 |
| Net income | 351,000 | 763,000 | 1,138,000 | 1,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,289,000 | 11,699,000 | 12,076,000 | 12,473,000 |
| Total capital | 12,292,000 | 12,703,000 | 13,086,000 | 13,521,000 |
| Risk-weighted assets | 79,870,000 | 80,297,000 | 80,739,000 | 83,770,000 |