Call reports 2009
FIRST TRUST AND SAVINGS BANK — 2009
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 125,301,000 | 127,215,000 | 132,333,000 | 136,228,000 |
| Total loans | 94,644,000 | 98,193,000 | 102,054,000 | 108,685,000 |
| Allowance for loan losses | 1,114,000 | 1,104,000 | 1,175,000 | 1,351,000 |
| Securities available for sale | 11,479,000 | 9,920,000 | 8,505,000 | 8,947,000 |
| Securities held to maturity | 8,074,000 | 8,011,000 | 7,709,000 | 7,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,528,000 | 107,408,000 | 111,902,000 | 116,151,000 |
| Interest-bearing deposits | 88,549,000 | 90,240,000 | 95,384,000 | 98,371,000 |
| Noninterest-bearing deposits | 16,979,000 | 17,168,000 | 16,518,000 | 17,780,000 |
| Equity capital | 13,133,000 | 13,415,000 | 13,818,000 | 13,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,881,000 | 3,827,000 | 5,781,000 | 7,753,000 |
| Interest expense | 714,000 | 1,384,000 | 2,000,000 | 2,584,000 |
| Net interest income | 1,167,000 | 2,443,000 | 3,781,000 | 5,169,000 |
| Noninterest income | 260,000 | 496,000 | 744,000 | 985,000 |
| Noninterest expense | 888,000 | 1,817,000 | 2,748,000 | 3,745,000 |
| Provision for loan losses | 70,000 | 155,000 | 305,000 | 605,000 |
| Pretax income | 469,000 | 967,000 | 1,472,000 | 1,804,000 |
| Income tax | 22,000 | 44,000 | 66,000 | 89,000 |
| Net income | 447,000 | 923,000 | 1,406,000 | 1,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,770,000 | 13,096,000 | 13,431,000 | 13,508,000 |
| Total capital | 13,884,000 | 14,200,000 | 14,606,000 | 14,756,000 |
| Risk-weighted assets | 89,343,000 | 92,506,000 | 95,074,000 | 99,736,000 |