Call reports 2012
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2012
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 318,075,000 | 317,474,000 | 313,675,000 | 315,944,000 |
| Total loans | 226,822,000 | 228,653,000 | 230,841,000 | 234,229,000 |
| Allowance for loan losses | 1,581,000 | 1,586,000 | 1,878,000 | 2,108,000 |
| Securities available for sale | 69,624,000 | 56,428,000 | 64,764,000 | 63,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,717,000 | 271,443,000 | 267,002,000 | 269,241,000 |
| Interest-bearing deposits | 265,995,000 | 263,004,000 | 259,233,000 | 258,868,000 |
| Noninterest-bearing deposits | 6,722,000 | 8,439,000 | 7,769,000 | 10,373,000 |
| Equity capital | 43,542,000 | 44,202,000 | 44,907,000 | 45,130,000 |
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 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,443,000 | 6,828,000 | 10,211,000 | 13,554,000 |
| Interest expense | 897,000 | 1,646,000 | 2,338,000 | 3,018,000 |
| Net interest income | 2,546,000 | 5,182,000 | 7,873,000 | 10,536,000 |
| Noninterest income | 75,000 | 43,000 | 116,000 | 156,000 |
| Noninterest expense | 2,202,000 | 3,979,000 | 5,653,000 | 7,521,000 |
| Provision for loan losses | 97,000 | 361,000 | 627,000 | 1,100,000 |
| Pretax income | 324,000 | 887,000 | 1,734,000 | 2,097,000 |
| Income tax | 100,000 | 318,000 | 589,000 | 689,000 |
| Net income | 224,000 | 569,000 | 1,145,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,587,000 | 43,956,000 | 44,539,000 | 44,748,000 |
| Total capital | 45,168,000 | 45,542,000 | 46,417,000 | 46,856,000 |
| Risk-weighted assets | 172,273,000 | 172,873,000 | 176,944,000 | 178,052,000 |