Call reports 2012
FIRST TRUST AND SAVINGS BANK — 2012
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 149,213,000 | 146,898,000 | 145,096,000 | 146,394,000 |
| Total loans | 105,638,000 | 102,445,000 | 100,359,000 | 96,172,000 |
| Allowance for loan losses | 2,349,000 | 2,439,000 | 2,484,000 | 2,243,000 |
| Securities available for sale | 10,559,000 | 13,816,000 | 13,669,000 | 14,486,000 |
| Securities held to maturity | 6,805,000 | 7,327,000 | 9,787,000 | 13,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,788,000 | 124,703,000 | 123,179,000 | 124,825,000 |
| Interest-bearing deposits | 106,769,000 | 105,119,000 | 103,695,000 | 19,409,000 |
| Noninterest-bearing deposits | 20,019,000 | 19,584,000 | 19,484,000 | 105,416,000 |
| Equity capital | 14,974,000 | 15,152,000 | 15,122,000 | 15,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,864,000 | 3,604,000 | 5,346,000 | 7,003,000 |
| Interest expense | 363,000 | 747,000 | 1,094,000 | 1,432,000 |
| Net interest income | 1,501,000 | 2,857,000 | 4,252,000 | 5,571,000 |
| Noninterest income | 140,000 | 358,000 | 558,000 | 739,000 |
| Noninterest expense | 1,055,000 | 2,280,000 | 3,693,000 | 5,074,000 |
| Provision for loan losses | 175,000 | 325,000 | 554,000 | 650,000 |
| Pretax income | 411,000 | 610,000 | 563,000 | 612,000 |
| Income tax | 28,000 | 55,000 | 83,000 | 110,000 |
| Net income | 383,000 | 555,000 | 480,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,711,000 | 14,884,000 | 14,809,000 | 14,830,000 |
| Total capital | 15,962,000 | 16,108,000 | 16,039,000 | 16,081,000 |
| Risk-weighted assets | 98,404,000 | 96,667,000 | 97,142,000 | 99,074,000 |