Call reports 2006
FIRST TRUST BANK — 2006
What FIRST TRUST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 329,253,000 | 349,825,000 | 341,206,000 | 364,829,000 |
| Total loans | 235,831,000 | 248,187,000 | 248,581,000 | 269,687,000 |
| Allowance for loan losses | 3,532,000 | 3,669,000 | 3,703,000 | 3,838,000 |
| Securities available for sale | 59,051,000 | 57,595,000 | 57,084,000 | 57,352,000 |
| Securities held to maturity | 6,442,000 | 6,053,000 | 6,050,000 | 6,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,906,000 | 281,501,000 | 269,698,000 | 291,671,000 |
| Interest-bearing deposits | 240,440,000 | 265,890,000 | 256,400,000 | 277,448,000 |
| Noninterest-bearing deposits | 14,466,000 | 15,610,000 | 13,298,000 | 14,223,000 |
| Equity capital | 28,664,000 | 28,998,000 | 30,842,000 | 32,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,204,000 | 10,971,000 | 16,976,000 | 23,271,000 |
| Interest expense | 2,155,000 | 4,652,000 | 7,538,000 | 10,700,000 |
| Net interest income | 3,049,000 | 6,319,000 | 9,438,000 | 12,571,000 |
| Noninterest income | 73,000 | 158,000 | 313,000 | 471,000 |
| Noninterest expense | 1,530,000 | 3,157,000 | 4,879,000 | 6,542,000 |
| Provision for loan losses | 141,000 | 278,000 | 312,000 | 447,000 |
| Pretax income | 1,451,000 | 3,042,000 | 4,560,000 | 6,053,000 |
| Income tax | 524,000 | 1,172,000 | 1,692,000 | 2,196,000 |
| Net income | 927,000 | 1,870,000 | 2,868,000 | 3,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,300,000 | 30,258,000 | 31,272,000 | 32,586,000 |
| Total capital | 32,541,000 | 33,809,000 | 34,817,000 | 36,424,000 |
| Risk-weighted assets | 258,993,000 | 283,970,000 | 283,480,000 | 307,501,000 |