Call reports 2004
FIRST TRUST BANK — 2004
What FIRST TRUST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 205,865,000 | 222,528,000 | 234,110,000 | 239,056,000 |
| Total loans | 152,235,000 | 162,429,000 | 170,514,000 | 184,692,000 |
| Allowance for loan losses | 2,724,000 | 2,796,000 | 2,883,000 | 2,960,000 |
| Securities available for sale | 32,164,000 | 33,380,000 | 33,003,000 | 35,431,000 |
| Securities held to maturity | 4,980,000 | 6,484,000 | 6,478,000 | 6,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,980,000 | 196,793,000 | 198,319,000 | 191,286,000 |
| Interest-bearing deposits | 148,497,000 | 149,386,000 | 158,943,000 | 175,114,000 |
| Noninterest-bearing deposits | 36,483,000 | 47,407,000 | 39,376,000 | 16,172,000 |
| Equity capital | 15,832,000 | 15,716,000 | 16,930,000 | 17,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,475,000 | 5,094,000 | 8,025,000 | 11,201,000 |
| Interest expense | 667,000 | 1,331,000 | 2,146,000 | 3,008,000 |
| Net interest income | 1,808,000 | 3,763,000 | 5,879,000 | 8,193,000 |
| Noninterest income | 69,000 | 150,000 | 236,000 | 309,000 |
| Noninterest expense | 998,000 | 1,989,000 | 3,209,000 | 4,358,000 |
| Provision for loan losses | 59,000 | 161,000 | 248,000 | 325,000 |
| Pretax income | 820,000 | 1,763,000 | 2,658,000 | 3,819,000 |
| Income tax | 298,000 | 676,000 | 967,000 | 1,389,000 |
| Net income | 522,000 | 1,087,000 | 1,691,000 | 2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,224,000 | 15,793,000 | 16,542,000 | 17,275,000 |
| Total capital | 17,240,000 | 17,912,000 | 18,842,000 | 19,716,000 |
| Risk-weighted assets | 160,603,000 | 168,848,000 | 183,380,000 | 194,725,000 |