Call reports 2008
FIRST TRUST BANK — 2008
What FIRST TRUST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 422,266,000 | 428,016,000 | 438,829,000 | 467,666,000 |
| Total loans | 308,880,000 | 315,665,000 | 322,528,000 | 334,737,000 |
| Allowance for loan losses | 4,248,000 | 4,291,000 | 4,427,000 | 4,602,000 |
| Securities available for sale | 66,956,000 | 68,453,000 | 74,395,000 | 76,403,000 |
| Securities held to maturity | 9,349,000 | 9,794,000 | 11,471,000 | 13,342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,363,000 | 324,738,000 | 336,523,000 | 372,765,000 |
| Interest-bearing deposits | 303,766,000 | 315,901,000 | 328,132,000 | 365,337,000 |
| Noninterest-bearing deposits | 11,597,000 | 8,837,000 | 8,391,000 | 7,428,000 |
| Equity capital | 38,249,000 | 38,184,000 | 39,212,000 | 42,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,728,000 | 13,130,000 | 19,568,000 | 25,785,000 |
| Interest expense | 3,394,000 | 6,325,000 | 9,194,000 | 12,230,000 |
| Net interest income | 3,334,000 | 6,805,000 | 10,374,000 | 13,555,000 |
| Noninterest income | 155,000 | 314,000 | 472,000 | 624,000 |
| Noninterest expense | 1,843,000 | 3,757,000 | 5,659,000 | 7,420,000 |
| Provision for loan losses | 0 | 42,000 | 178,000 | 377,000 |
| Pretax income | 1,648,000 | 3,322,000 | 5,011,000 | 6,384,000 |
| Income tax | 676,000 | 1,268,000 | 1,811,000 | 2,276,000 |
| Net income | 972,000 | 2,054,000 | 3,200,000 | 4,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,708,000 | 38,861,000 | 40,224,000 | 41,303,000 |
| Total capital | 41,956,000 | 43,152,000 | 44,651,000 | 45,905,000 |
| Risk-weighted assets | 353,323,000 | 360,481,000 | 368,012,000 | 379,473,000 |