Call reports 2013
FIRST TRUST AND SAVINGS BANK — 2013
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 149,428,000 | 144,093,000 | 141,836,000 | 142,551,000 |
| Total loans | 92,515,000 | 91,017,000 | 90,785,000 | 88,121,000 |
| Allowance for loan losses | 1,634,000 | 1,821,000 | 1,993,000 | 1,802,000 |
| Securities available for sale | 17,340,000 | 20,262,000 | 21,272,000 | 19,651,000 |
| Securities held to maturity | 13,128,000 | 12,738,000 | 12,249,000 | 12,912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,816,000 | 123,073,000 | 120,942,000 | 122,146,000 |
| Interest-bearing deposits | 106,836,000 | 103,388,000 | 100,200,000 | 101,856,000 |
| Noninterest-bearing deposits | 20,980,000 | 19,685,000 | 20,742,000 | 20,290,000 |
| Equity capital | 15,364,000 | 15,041,000 | 15,240,000 | 15,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,576,000 | 3,177,000 | 4,784,000 | 6,343,000 |
| Interest expense | 323,000 | 634,000 | 916,000 | 1,192,000 |
| Net interest income | 1,253,000 | 2,543,000 | 3,868,000 | 5,151,000 |
| Noninterest income | 260,000 | 547,000 | 666,000 | 502,000 |
| Noninterest expense | 1,109,000 | 2,335,000 | 3,395,000 | 4,491,000 |
| Provision for loan losses | 95,000 | 310,000 | 605,000 | 700,000 |
| Pretax income | 309,000 | 445,000 | 534,000 | 488,000 |
| Income tax | -16,000 | -8,000 | 10,000 | 28,000 |
| Net income | 325,000 | 453,000 | 524,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,155,000 | 15,282,000 | 15,354,000 | 15,289,000 |
| Total capital | 16,376,000 | 16,492,000 | 16,540,000 | 16,444,000 |
| Risk-weighted assets | 97,282,000 | 96,181,000 | 94,053,000 | 91,714,000 |