Call reports 2015
FIRST BANK AND TRUST COMPANY — 2015
What FIRST BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 74,936,000 | 73,132,000 | 73,945,000 | 74,967,000 |
| Total loans | 29,316,000 | 31,441,000 | 32,254,000 | 33,129,000 |
| Allowance for loan losses | 430,000 | 432,000 | 459,000 | 462,000 |
| Securities available for sale | 42,295,000 | 38,674,000 | 38,387,000 | 38,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,827,000 | 59,273,000 | 56,516,000 | 59,694,000 |
| Interest-bearing deposits | 54,806,000 | 51,827,000 | 49,022,000 | 51,306,000 |
| Noninterest-bearing deposits | 9,021,000 | 7,446,000 | 7,494,000 | 8,388,000 |
| Equity capital | 7,281,000 | 7,200,000 | 7,425,000 | 6,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 581,000 | 1,165,000 | 1,759,000 | 2,379,000 |
| Interest expense | 35,000 | 73,000 | 113,000 | 156,000 |
| Net interest income | 546,000 | 1,092,000 | 1,646,000 | 2,223,000 |
| Noninterest income | 42,000 | 97,000 | 140,000 | 201,000 |
| Noninterest expense | 446,000 | 914,000 | 1,379,000 | 1,836,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 142,000 | 287,000 | 394,000 | 575,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 22,000 |
| Net income | 136,000 | 276,000 | 377,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,796,000 | 6,901,000 | 7,007,000 | 6,804,000 |
| Total capital | 7,226,000 | 7,333,000 | 7,466,000 | 7,266,000 |
| Risk-weighted assets | 38,489,000 | 40,358,000 | 42,332,000 | 42,053,000 |