Call reports 2010
FIRST TRUST AND SAVINGS BANK — 2010
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 141,408,000 | 143,026,000 | 144,071,000 | 146,238,000 |
| Total loans | 111,601,000 | 115,240,000 | 116,775,000 | 116,513,000 |
| Allowance for loan losses | 1,434,000 | 1,685,000 | 1,697,000 | 1,993,000 |
| Securities available for sale | 9,094,000 | 8,691,000 | 8,576,000 | 7,043,000 |
| Securities held to maturity | 7,777,000 | 7,464,000 | 7,247,000 | 6,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,411,000 | 119,388,000 | 120,087,000 | 122,277,000 |
| Interest-bearing deposits | 102,051,000 | 101,558,000 | 101,915,000 | 103,527,000 |
| Noninterest-bearing deposits | 18,360,000 | 17,830,000 | 18,172,000 | 18,750,000 |
| Equity capital | 14,176,000 | 14,104,000 | 14,590,000 | 14,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,991,000 | 3,977,000 | 5,961,000 | 7,872,000 |
| Interest expense | 566,000 | 1,123,000 | 1,686,000 | 2,214,000 |
| Net interest income | 1,425,000 | 2,854,000 | 4,275,000 | 5,658,000 |
| Noninterest income | 241,000 | 553,000 | 852,000 | 1,079,000 |
| Noninterest expense | 965,000 | 1,974,000 | 3,022,000 | 4,222,000 |
| Provision for loan losses | 150,000 | 600,000 | 750,000 | 1,250,000 |
| Pretax income | 551,000 | 833,000 | 1,355,000 | 1,266,000 |
| Income tax | 22,000 | 61,000 | 96,000 | 131,000 |
| Net income | 529,000 | 772,000 | 1,259,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,837,000 | 13,679,000 | 14,167,000 | 14,043,000 |
| Total capital | 15,134,000 | 14,995,000 | 15,493,000 | 15,355,000 |
| Risk-weighted assets | 103,633,000 | 104,922,000 | 105,706,000 | 104,315,000 |