Call reports 2011
FIRST TRUST AND SAVINGS BANK — 2011
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 149,195,000 | 145,856,000 | 145,670,000 | 148,947,000 |
| Total loans | 116,349,000 | 115,036,000 | 113,924,000 | 109,934,000 |
| Allowance for loan losses | 1,963,000 | 3,048,000 | 3,070,000 | 2,477,000 |
| Securities available for sale | 7,520,000 | 7,630,000 | 8,784,000 | 7,937,000 |
| Securities held to maturity | 6,708,000 | 6,561,000 | 5,633,000 | 6,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,923,000 | 122,540,000 | 122,626,000 | 126,674,000 |
| Interest-bearing deposits | 104,101,000 | 103,037,000 | 102,502,000 | 107,176,000 |
| Noninterest-bearing deposits | 20,822,000 | 19,503,000 | 20,124,000 | 19,498,000 |
| Equity capital | 14,900,000 | 14,335,000 | 14,727,000 | 14,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,004,000 | 3,974,000 | 5,885,000 | 7,772,000 |
| Interest expense | 477,000 | 942,000 | 1,356,000 | 1,756,000 |
| Net interest income | 1,527,000 | 3,032,000 | 4,529,000 | 6,016,000 |
| Noninterest income | 260,000 | 579,000 | 881,000 | 1,096,000 |
| Noninterest expense | 1,057,000 | 2,122,000 | 3,333,000 | 4,668,000 |
| Provision for loan losses | 150,000 | 1,491,000 | 1,641,000 | 2,191,000 |
| Pretax income | 589,000 | 7,000 | 466,000 | 283,000 |
| Income tax | 35,000 | 69,000 | 104,000 | -3,000 |
| Net income | 554,000 | -62,000 | 362,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,596,000 | 13,981,000 | 14,405,000 | 14,329,000 |
| Total capital | 15,895,000 | 15,279,000 | 15,665,000 | 15,544,000 |
| Risk-weighted assets | 103,243,000 | 102,073,000 | 98,995,000 | 95,947,000 |