Call reports 2012
FIRST TRUST BANK — 2012
What FIRST TRUST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 436,682,000 | 415,421,000 | 401,331,000 |
| Total loans | 227,840,000 | 214,849,000 | 195,290,000 |
| Allowance for loan losses | 7,081,000 | 6,838,000 | 6,855,000 |
| Securities available for sale | 144,201,000 | 136,694,000 | 132,438,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 374,107,000 | 351,971,000 | 334,499,000 |
| Interest-bearing deposits | 364,227,000 | 340,986,000 | 321,450,000 |
| Noninterest-bearing deposits | 9,880,000 | 10,985,000 | 13,049,000 |
| Equity capital | 47,422,000 | 48,986,000 | 50,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 4,490,000 | 8,813,000 | 12,912,000 |
| Interest expense | 900,000 | 1,693,000 | 2,399,000 |
| Net interest income | 3,590,000 | 7,120,000 | 10,513,000 |
| Noninterest income | 37,000 | 102,000 | 2,000 |
| Noninterest expense | 2,156,000 | 4,295,000 | 6,334,000 |
| Provision for loan losses | 140,000 | -266,000 | -266,000 |
| Pretax income | 1,331,000 | 3,193,000 | 4,447,000 |
| Income tax | 500,000 | 1,207,000 | 1,532,000 |
| Net income | 831,000 | 1,986,000 | 2,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 44,913,000 | 46,093,000 | 47,029,000 |
| Total capital | 48,500,000 | 49,477,000 | 50,132,000 |
| Risk-weighted assets | 283,478,000 | 267,251,000 | 244,473,000 |