Call reports 2013
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2013
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 311,807,000 | 319,282,000 | 328,983,000 | 324,759,000 |
| Total loans | 236,316,000 | 242,534,000 | 254,305,000 | 262,244,000 |
| Allowance for loan losses | 2,127,000 | 2,214,000 | 2,259,000 | 2,360,000 |
| Securities available for sale | 58,227,000 | 54,502,000 | 48,726,000 | 45,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,789,000 | 264,776,000 | 266,681,000 | 262,456,000 |
| Interest-bearing deposits | 256,040,000 | 254,427,000 | 254,420,000 | 253,109,000 |
| Noninterest-bearing deposits | 8,749,000 | 10,349,000 | 12,261,000 | 9,347,000 |
| Equity capital | 45,411,000 | 45,213,000 | 45,570,000 | 45,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,299,000 | 6,518,000 | 9,839,000 | 13,203,000 |
| Interest expense | 655,000 | 1,292,000 | 1,937,000 | 2,574,000 |
| Net interest income | 2,644,000 | 5,226,000 | 7,902,000 | 10,629,000 |
| Noninterest income | 3,000 | 6,000 | 23,000 | 108,000 |
| Noninterest expense | 1,941,000 | 3,720,000 | 5,493,000 | 7,131,000 |
| Provision for loan losses | 55,000 | 141,000 | 231,000 | 348,000 |
| Pretax income | 651,000 | 1,417,000 | 2,181,000 | 3,206,000 |
| Income tax | 211,000 | 487,000 | 718,000 | 1,127,000 |
| Net income | 440,000 | 930,000 | 1,463,000 | 2,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,166,000 | 45,497,000 | 46,083,000 | 46,648,000 |
| Total capital | 47,293,000 | 47,711,000 | 48,342,000 | 49,007,000 |
| Risk-weighted assets | 178,199,000 | 182,462,000 | 181,455,000 | 189,144,000 |