Call reports 2015
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2015
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON 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 | 354,542,000 | 348,383,000 | 348,905,000 | 343,282,000 |
| Total loans | 279,120,000 | 279,689,000 | 282,633,000 | 285,873,000 |
| Allowance for loan losses | 2,403,000 | 2,278,000 | 2,290,000 | 2,271,000 |
| Securities available for sale | 34,824,000 | 33,619,000 | 32,875,000 | 30,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,738,000 | 287,930,000 | 287,549,000 | 291,036,000 |
| Interest-bearing deposits | 271,149,000 | 274,279,000 | 274,415,000 | 278,723,000 |
| Noninterest-bearing deposits | 13,589,000 | 13,651,000 | 13,134,000 | 12,313,000 |
| Equity capital | 48,185,000 | 48,674,000 | 49,752,000 | 50,609,000 |
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 | 3,546,000 | 7,115,000 | 10,710,000 | 14,364,000 |
| Interest expense | 726,000 | 1,439,000 | 2,120,000 | 2,793,000 |
| Net interest income | 2,820,000 | 5,676,000 | 8,590,000 | 11,571,000 |
| Noninterest income | 87,000 | 169,000 | 274,000 | 426,000 |
| Noninterest expense | 1,913,000 | 3,867,000 | 5,732,000 | 7,592,000 |
| Provision for loan losses | 0 | -150,000 | -150,000 | -154,000 |
| Pretax income | 1,284,000 | 2,418,000 | 3,572,000 | 4,775,000 |
| Income tax | 373,000 | 772,000 | 1,012,000 | 1,377,000 |
| Net income | 911,000 | 1,646,000 | 2,560,000 | 3,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,192,000 | 48,865,000 | 49,822,000 | 50,707,000 |
| Total capital | 50,595,000 | 51,143,000 | 52,112,000 | 52,978,000 |
| Risk-weighted assets | 196,222,000 | 191,700,000 | 198,332,000 | 200,126,000 |