Call reports 2007
FIRST TRUST BANK — 2007
What FIRST TRUST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 379,389,000 | 390,076,000 | 400,716,000 | 411,384,000 |
| Total loans | 280,653,000 | 292,589,000 | 301,534,000 | 317,245,000 |
| Allowance for loan losses | 3,947,000 | 4,011,000 | 4,128,000 | 4,249,000 |
| Securities available for sale | 56,074,000 | 53,313,000 | 54,354,000 | 57,929,000 |
| Securities held to maturity | 6,042,000 | 7,703,000 | 7,700,000 | 9,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,077,000 | 290,159,000 | 310,455,000 | 311,143,000 |
| Interest-bearing deposits | 272,850,000 | 277,239,000 | 298,610,000 | 297,897,000 |
| Noninterest-bearing deposits | 12,227,000 | 12,920,000 | 11,845,000 | 13,246,000 |
| Equity capital | 33,344,000 | 33,894,000 | 35,415,000 | 37,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,557,000 | 13,523,000 | 20,859,000 | 28,058,000 |
| Interest expense | 3,410,000 | 6,932,000 | 10,684,000 | 14,391,000 |
| Net interest income | 3,147,000 | 6,591,000 | 10,175,000 | 13,667,000 |
| Noninterest income | 148,000 | 289,000 | 464,000 | 615,000 |
| Noninterest expense | 1,644,000 | 3,434,000 | 5,385,000 | 7,258,000 |
| Provision for loan losses | 128,000 | 192,000 | 309,000 | 430,000 |
| Pretax income | 1,523,000 | 3,254,000 | 4,945,000 | 6,594,000 |
| Income tax | 521,000 | 1,201,000 | 1,770,000 | 2,228,000 |
| Net income | 1,002,000 | 2,053,000 | 3,175,000 | 4,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,651,000 | 34,820,000 | 35,978,000 | 37,194,000 |
| Total capital | 37,598,000 | 38,831,000 | 40,106,000 | 41,443,000 |
| Risk-weighted assets | 320,516,000 | 331,552,000 | 343,420,000 | 355,586,000 |