Call reports 2016
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2016
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 351,959,000 | 362,514,000 | 369,317,000 | 372,211,000 |
| Total loans | 284,145,000 | 285,067,000 | 286,634,000 | 290,848,000 |
| Allowance for loan losses | 2,271,000 | 2,247,000 | 2,232,000 | 2,262,000 |
| Securities available for sale | 29,569,000 | 30,369,000 | 35,169,000 | 33,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,755,000 | 308,292,000 | 314,526,000 | 317,565,000 |
| Interest-bearing deposits | 284,359,000 | 292,067,000 | 296,756,000 | 301,632,000 |
| Noninterest-bearing deposits | 14,396,000 | 16,225,000 | 17,770,000 | 15,933,000 |
| Equity capital | 51,518,000 | 52,490,000 | 53,027,000 | 52,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,640,000 | 7,266,000 | 10,896,000 | 14,643,000 |
| Interest expense | 678,000 | 1,373,000 | 2,094,000 | 2,827,000 |
| Net interest income | 2,962,000 | 5,893,000 | 8,802,000 | 11,816,000 |
| Noninterest income | 109,000 | 203,000 | 308,000 | 433,000 |
| Noninterest expense | 2,121,000 | 4,012,000 | 5,911,000 | 8,338,000 |
| Provision for loan losses | -1,000 | -1,000 | -2,000 | -3,000 |
| Pretax income | 1,066,000 | 2,222,000 | 3,388,000 | 3,944,000 |
| Income tax | 305,000 | 703,000 | 1,154,000 | 1,444,000 |
| Net income | 761,000 | 1,519,000 | 2,234,000 | 2,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,569,000 | 52,327,000 | 53,042,000 | 53,308,000 |
| Total capital | 53,840,000 | 54,574,000 | 55,274,000 | 55,570,000 |
| Risk-weighted assets | 204,772,000 | 206,232,000 | 208,019,000 | 214,589,000 |